davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX XXXX I had XXXX XXXX XXXX bank fax a request to Navy FCU to electronically transfer {$45000.00} ( approx ) IRA to XXXX XXXX XXXX from Navy FCU. Navy said it would take 3 to 5 business days. an hour later I called Navy to verify that they received the fax ... they did. 
On XXXX I called Navy about not receiving funds at XXXX XXXX XXXX and Navy told me it now takes 7 to 10 business days. However deposits into Navy are immediate. I suspect Navy is using the virus scare to delay withdrawals while having plenty of staff to accept deposits. I wasnt born yesterday.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NY)

XX/XX/XXXX To : Consumer Finance Fr : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Re : Complaint : CO : Corporate Headquarters. LoanCare LLC, XXXX XXXX XXXX. XXXX  XXXX, VA XXXX ( XXXX ) XXXX In XX/XX/XXXX I was billed twice for my XX/XX/XXXX mortgage payment. Spoke to numerous customer service repressive since XX/XX/XXXX whom all promised to resolve the matter. Request were made and submission of prove payment submitted, via canceled checks for last several month attached, still no action has been made to rectify this matter. After several months working with multiple representatives in XX/XX/XXXX the LoanCare reported my name to major credit bureaus for late payment destroying my credit report. Since transfer of mortgage I have been attempting to rectify the amount my monthly payment from {$1700.00} to approximately {$1400.00}, according to the stipulation mortgage prior to the transfer of my mortgage which should be monthly my payment.
Consumer complaint received 2022-12-29
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-21
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 (VA)

Capital one has made it almost impossible to dispute transactions. I disputed poor product delivered from a restaurant on XX/XX/2020 from XXXX XXXX and I provided the card company with the information they requested. However, they responded by saying I did not provide them with the information. I received poor service and was overcharged for an amount different from the restaurant menu, but the credit card company is refusing to help me. They make it impossible for customers to get their money back from fraudulent and misrepresented products and services, by making the process very difficult to go through. We can't even initiate this type of dispute on line and once I called them, I had to be on the phone for a long time and then they mailed in paperwork for information and still didn't help me resolve my dispute. Wasting of my time on a XXXX dollar dispute which should be resolved easily, but capital one makes you go through all these hoops that other card companies don't and still don't help resolve the dispute.
Consumer complaint received 2022-12-29
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-23
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: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020 at XXXX XXXX  I sent written communication to Midland Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Midland Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. I  made a request for them to substantiate the information theyre reporting pursuant to the FCRA/FACTA, thereby causing Midland Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Midland Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. XXXX XXXX XXXX provided none of the above. Midland Funding LLC  continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Midland Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.
Consumer complaint received 2020-04-01
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. (NV)

transunion and XXXX  has not deleted these creditors and it took them more than 30 days ... .XXXX  -XXXX and XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have a store card with Amazon thru Synchrony Bank, I went to the account via chat to request to have the payments deferred due to the Corvid-19, we have no money at this time, not working staying home, they deferred this month but will have to call next month again if need to defer, however they will keep charging interest which is not fair, their interest to start with is extremely high, they will waive late fees but the interest will be charged, how bad can that be? they are helping but hurting us at the same time. 
I find it outrageous that with what we are going thru at this time this bank wants to keep charging interest to the balances, thats no help, by the time we are able to go back to work we would owe so much more that the payments will be too high to pay. Very inconsiderate in their part. I have a credit card with XXXX XXXX and XXXX and they deferred my payments 90 days with no lates and no interest to be accrued.
Consumer complaint received 2020-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

I have multiple students with Discover, I believe that I have overpaid all of them due to excessive inexplicable interest charges.

I first complained about excessive interest in the spring of 2019 after several lump payments I made didn't affect how much of my payment was going to interest.

I called to complain about this issue again in the fall of 2019 as my minimum payment due was not going down after several lump payments. I was re-assured that it would be re-calculated at the end of the quarter, and it was.

I called Discover on the first week of XXXX to understand why I paid $ XXXX in interest in 2019 instead of the max possible $ XXXX, and could not get a answer to my question. 

After examining my statement for the month of XXXX, I discovered that I was being charged extra in interest. I called Discover continuously to have someone explain the extra charges. Everyone I spoke with, including a supervisor, agree to the amount I should be charged {$10.00} based on their ( and my ) calculations but could not offer an explanation for why I was actually charged {$34.00}. They usually end with something along the lines of " the computer does the calculations and it doesn't make mistakes. '' I wanted to know what " the computer '' was doing differently and have called Discover multiples times per day over the past two weeks on this issue. Eventually, I requested my payment history for all my loans, statement history and origination letter and decided to compute my loan history based on the terms of the loan. 

I realized that Discover owed me significantly for each loan and since then have been practically avoiding having a meaning conversation about it when I call. I get moved from rep to rep. I get told to review the documents carefully etc.

Attached are two documents for the calculations of one of the loans : one that matches my payment history and another that shows the interest computations daily. You can see that the bank currently owes  me {$1300.00}.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (AR)

I did not receive a loan from this company. I have tried multiple times to dispute it in order to remove it from my account. There has not been any information sent to me as a result of my dispute and the company has not tried to contact me via letter or phone.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Asked for Covid-19 extension to payments for XXXX, XXXX and maybe XXXX. Absolutely no phone or email response from Dovenmuhle mortgage. 
Additionally, since the Loan origination the property has increased in value in part due to upgrades but Dovenmuehle mortgage refuses to acknowledge current sales prices / appraisals for exact same floor plan Which would do away with PMI insurance currently at {$160.00} per month. In addition I prepaid the entire year of home owners insurance, so again no need for an escrow account regarding this expense. I sent all information to Dovenmuhle insurance with email given. I want to suspend next 3 months payments without any negative report on my credit. 
Furthermore I used the online loan solution page and was denied even though my industry is shut down due to Covid-19!!
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is now the second complaint I'm filing against Bank of America. There are accounts being opened in my name that I have not opened. This time, there's money actually being sent to someone. I can not get through to the bank now without a phone access code or card number. I did not open these accounts and they should not have approved a second account being opened in my name with a complaint already filed against them. I will be filing a police report and taking any further steps but this needs rectified because this is clearly an issue this bank has had in the past.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (NJ)

I had an account with XXXX for a while. Last year, I decided to switch carriers. XXXX tried unsuccessfully to get me to stay with them. I said no. After my lease was up, I was told by XXXX that in order to return their devices to them, I had to wait for their packaging to arrive. When it did not come, I called NUMEROUS times only to be told that it would come. In the meantime, they turned the bill for the devices over to Diversified Collections. I explained to them the situation. XXXX said I owed them {$1700.00} which was totally incorrect. In the meantime, they were still charging me monthly even though my lease was up and I had another carrier. Diversified threatened to show this on my credit report. I explained to them that XXXX never gave me credit for the devices and they were charging me monthly, in error. Diversified said XXXX never received the devices. After I produced the paperwork from XXXX stating they had received the devices, they changed the amount I owed them to {$980.00} which was still incorrect. I told them to correct the mistake on my Credit Report. They asked how much I would settle with. I told them at most, {$200.00}. I told them to send me something in writing confirming that if I paid them {$200.00}, they would consider the debt paid in full. They said no, send us the money of things will stay the same. This collection account hurt my credit score and is causing me misery and they refuse to have XXXX send documentation supporting their claim of this ridiculous amount of money they claim I owe them. Diversified has the most unprofessional, rude, inconsiderate agents I have ever come in contact with. They are wrong and I would like for something to be done and have them reverse this erroneous information from my credit report. Thank you.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I have 2 mortgages with PHH Mortgage on two 3-family homes. That is my life savings/retirement plan and I am XXXX years old. Due to the COVID-19 virus, most or all of my tenants have been laid off and will not be able to pay their rent, which means I won't be able to pay my mortgages. 

I called PHH and the ONLY thing they can offer is a 3 month forbearance. On the 4th month I would have to pay all 4 months of rent. This is not helpful! None of my tenants will be able make up the rents, therefore, I won't be able to pay the 4 months of mortgage payments. This is a program I can not sign onto which means I can't pay my monthly mortgage, my credit score will significantly drop and I might lose my properties. Also, I have no idea if things will be better in 3-4 months. No one does. 

On a further note, my wife and I started a new business 1 year ago last week. It was doing great! Due to the corona virus our business dropped way off and we had to lay off all of our XXXX employees, which is heartbreaking for us. In addition, we no longer have any income from this business. I'm afraid we will lose everything. 

I'd appreciate any feedback or assistance you can provide. I'm sure I'm in the same boat as millions of other people.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-10-11
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. (PA)

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. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX XXXX, Accounts name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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.
Consumer complaint received 2023-03-10
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. (KY)

I checked my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX