davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (NY)

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2019-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

My mortgage was bought out by Mr Cooper several months ago. They knew that my property tax payment was due on XX/XX/XXXX but did not pay even though there was nearly double the amount of tax due in escrow account. When I got late notice from town office, I contacted Mr Cooper through online messages and phone calls and finally 2 weeks later, they finally made the payment. They list my next tax payment due on XX/XX/XXXX even though it is actually due on XX/XX/XXXX. They also did escrow analysis and created an overage because they don't have the next payment date correct. This will lead to a shortage later. I do not trust this company to handle my loan and I never chose this company to handle/service my mortgage. 

What is my recourse? I will continue to pursue every possible avenue including a class action suit with other people experiencing the same problems.
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT CONCEPTS, INC. (OR)

XX/XX/2018 I baught a car from XXXX XXXX XXXX in XXXX Oregon which Credit Concepts funded the purchase. Less then three months later, there was something that happened to the car that cost less then {$700.00}. While insurance was pulling all my car info, they found that the car had been totaled four times prior. I contacted the dealer to which they said I signed a notice excepting the salvaged title which I did not. Whip city then told me to contact Credit Concepts to which I did. They stated that they confirmed it was a clean title. After sending them all papers about the wrecks it had been in and sent them papers showing repairs the car needed because of the prior wrecks, they still pushed that it was to late to back out and that they would not even take the car back when I told them to repo the car. Over the past year and a half, I have tried to work with this company to no good out come. The have pushed multiple garnishments for the max of 25 % of my income and refuse to work on any compromise. The contract was made under false information.
Consumer complaint received 2019-11-26
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: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX on around XXXX XXXX, my wallet was stolen from my gym locker and used to purchase over XXXX worth of gift cards that you can buy at the grocery store. Chase refused to acknowledge this theft as fraud and considers these purchases as my responsibility. 

Here is what happened. 

I arrived at my gym around XXXX on XX/XX/XXXX, changed, put my street clothes ( with my wallet ) in my locker and locked it with my lock. After my work out, I went back to the locker room to find my lock was missing along with my wallet from my pants. 

I immediately reported it to the front desk and their response was " uh oh, here 's another one. '' I looked around and 3 or 4 other guys were standing there looking concerned. Their lockers were broken into as well. 

We reported it to the police first and then I started calling to cancel my credit cards. The thieves were able to make purchases on my Chase card at TWO different grocery stores to the total of over {$11000.00}. How was this possible? I have no idea! 

According to the gym, two of the three men that were involved in the theft have been caught. I have attached the police report from the XXXX Police Department. 

Chase has assured me that they've investigated this claim thoroughly which is absolutely absurd.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I originally submitted a complaint on XX/XX/19 regarding the mishandling of a refinance through Select Portfolio Servicing ( SPS ). I received a response on XX/XX/19 that doesn't even address all of the concerns I listed. They indicated that I was requesting more information about the CEMA. That is not what I was doing. I provided a detail account of the multiple missteps SPS took in handling the refinance that resulted in significant, additional fees I incurred. SPS was completely non-responsive, untimely and irresponsible with the handling of my refinance. If you reference my original complaint, you can see that I am requesting a reimbursement of fees I incurred. I expect a more thorough review of my complaint. The response I received from SPS is unacceptable is a further testament to why this firm should not be in business. I will continue to take action until a satisfactory resolution is provided.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One closed my credit account without notification. I recently updated my address and requested a new card. Never got the card. Was looking at my credit reporting on XX/XX/18 and saw that the account had been closed. Called Capital One to see what was going on, was advised a " business decision '' had been made an the line would not be reopened. Had I known that the account was to be closed I would have used the card to keep it active and open. Capital One should have notified me and didn't. I just want to line reopened without me have to reapply.
Consumer complaint received 2019-12-03
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. (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Due to 2 unhonred check payments, Capital One closed my credit card account. Prior to this honest mistake, all my payments were in full and on time in cash at the branch. I reached out to Capital One Bank to dispute this and was refused to have the account re-oppened.
Consumer complaint received 2022-09-13
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-03-15
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)

I discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from XXXX XXXX XXXX Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored me.
Consumer complaint received 2023-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Financial I have contacted the companies mentioned above.They will not listen! I have sent letters, showing proof, no reply back from them. 
They just call my phone harassing me every day. 
Every and ever one of these companies. 
They are reporting inaccurate information
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I disputed a debt to Levitz Furniture it was resolved and paid on XX/XX/2014. I received a correspondence indicating the debt was paid in full and no further obligation. Now 5 years later I am getting constant harassing calls so are my family, friends and even co workers attempting to collect the debt. When called back they have 2 names XXXX XXXX XXXX XXXX and claim they have a Complaint to serve or they say they are XXXX XXXX XXXX XXXX and are filing a Complaint.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I NEED HELP MANAGING MY CREDIT FILE. 
PLEASE UPDATE MY PERSONAL INFORMATION. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Consumer complaint received 2023-06-13
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. (CA)

I checked my credit report and found that some of the data were 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 correction due to inaccurate reporting 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
Consumer complaint received 2023-05-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy.

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.

U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2022-09-13
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. (IL)

Experian, XXXX, & XXXX failed to delete a fictitious debt. Experian has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I applied for a United XXXX XXXX plus Visa card by Chase. I advise the representative of my current mileage plus number with United airlines : XXXX. Chase approved my credit card application and mailed me a credit card bearing a new mileage plus number XXXX have contacted Chase on eight occasions advising them to remove the new mileage plus number XXXX and add XXXX to my credit card account and to send me a new credit card with the correct mileage plus number XXXX. Instead of addressing my concern on XX/XX/2022 Chase wrote me a letter advising me that there are now two mileage plus numbers with my name that is information I provided to them and asked them to remedy the matter but instead of them, providing a remedy, they sent me a letter, telling me exactly what I called and told them, my complaints are falling on deaf ears when I reach out to Chase credit card customer service centers, and I want them to take accountability for accessing my account and addressing my specific concern.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

A couple of months ago i called Wells Fargo my mortgage servicer and i set up bi weekly payments for my mortgage. The usual monthly payment is {$1200.00}. I simply wanted the payment split into two monthly payments of {$600.00} each ... every 2 weeks. My bi monthly payments have been coming out of my bank account every 2 weeks as planned. Well l recently got a call from wells fargo stating that my monthly mortgage is a couple of months past due.This blows my mind as my monthly payment of {$1200.00} has been paid EVERY month. The rep on the phone said that when the bi weekly payments were set up they were set up to go directly to Principal and NOT my normal monthly payment. I NEVER said i wanted the payments to go to principal. I simply wanted to set up 2 monthly payments that equal my Monthly mortgage payment. When i spoke to the collections rep she kept trying to get me to state that i was having a " Hardship ''. Which i am NOT at all having a hardship. I currently work 2 jobs and i have NEVER missed a mortgage payment in my entire life. I told the rep that and she still insisted that i was having a hardship and she wanted to put me into some program. They are the ones who completely screwed up. Wells Fargo has DESTROYED my great credit score. I was NEVER late and i can prove it. Who would be making monthly payments ONLY to  Principal and NOT pay their normal monthly payment???? This is so stressful and frustrating and they have charged me late fees and reported me late on my credit when in fact I AM NOT LATE.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent a Method of Verification letter on XX/XX/2022 to Equifax they have not responded to the letter. It has been over 100 days and they are now in NON COMPLIANCE per 15 USC 1681e. I also sent an AFFIDAVIT OF TRUTH XX/XX/2022 in which Equifax has blatantly disregarded. Equifax has 30 days to respond to the AFFIDAVIT OF TRUTH it is now 60 days past due. ALL OF THIS FALLS UNDER NON COMPLIANCE PER 15 USC 1681e. I also have Certified Mail Receipts To Prove Equifax is disregarding my issues.
Consumer complaint received 2023-03-15
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. Kindly correct the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (OH)

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

Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : ARS National Services Inc Account # XXXX 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

There is a collection account in my credit file for {$550.00} from Creditors Bureau Associates. I called them and was told that they don't have to verify or validate my dispute ... I called the original creditors and was told that the collection agency never notified them of my request for validation. My dispute letter was received via certified mail by the collection agency at the end of XX/XX/2021. They have not provided me any information to prove that this account belongs to me. I requested a detail billing statement as well as a signed contract or anything that shows my signature for service. Please help!