davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a lease with XXXX XXXX XXXX. I traded in my old XXXX last XX/XX/2020. On XX/XX/2020, they called me to inform me that there was a forberance plan available to help customer though the Pandemic due to COVID 19. The representative told me that I qualify for 90 days without making a payments and they will add those payments to the end of the lease, my lease is for 36 months and it will be for XXXX. I checked the website every single month and in the statements said XXXX balance, meaning that I did not have to pay. I never received a phone call from them or a letter advising me that I should pay. On XX/XX/XXXX I received a letter that my account was passed due and that I had to pay the three months due. I was sick at home tested positive with XXXX, I had to leave my job for almost 2 months and my finances went down. I started calling them every single day and they always told me a different answer. I ended up paying the whole amount which let me in a terrible financial crisis. They also reported me to the Credit Bureau and my Credit Score went down. They treated me very poorly, horrible customer service. They were very unfair, never found a solution to my situation and never cared that I was at home with XXXX.
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

I have been dealing with a same collection from XXXX for a few years. I have spoke to them and they clear it because it doesnt exist. I am a current XXXX customer so I do not understand why this keeps happening. It keeps affecting my credit and it is a hassle. The balance that always reflects is {$150.00}. I am trying to resolve this issue once and for all as I am trying to purchase a home and I do not want this to reflect negatively on me. The collection company is Enhanced Recovery Company.
Consumer complaint received 2020-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC. (CA)

NetCredit refuse to honor their agreement. I became quite ill and treatments were delayed due to COVID-19. To avoid defaulting I called NetCredit who set up a payment agreement to be paid off by certain date. I was informed that late payments or derogatory information would not be submitted to my credit report after paid in full. Loan was paid off earlier than agreement. Despite agreement NetCredit reported 30 days late on my XXXX  Credit Report. I called NetCredit for resolution. The customer service staff had difficulty with understanding or handling this type of issue. Seem totally foreign to NetCredit staff. I spoke with XXXX ; thats the name she gave me. XXXX did not know what to do she left me on hold for long period. XXXX returned to the phone and told me that I would need to send NetCredit my Full credit report in order for me to be considered for having 30 day late removed. I ask XXXX why full credit report was needed? She was unable to answer. I called collections and the male rep who answered phone gave me the same lame answer and did know why my Full credit report is needed. I told him I could send the portion of the credit report that pertains to NetCredit but felt it was unnecessary, extreme and breech of privacy to send you my complete report. I asked NetCredit what were they looking for on my report. You have record that you sent this derogatory information to the credit bureaus. Why additionally, does NetCredit need me to go through the trouble to order a full history of my credit report. Im not applying for another loan and will never go through another one of your high interest loans. None of the representatives ; including a Supervisor was able to explain why it was necessary. I was given the feedback line as a means to escalate. A feedback line is not an XXXX XXXX to escalate a problem. Please look into this matter. This companys communication is very challenging. Information is not pass along efficiently or accurately. The left hand does not know what the right hand is doing. Im asking NetCredit to please consider removal as agreed. I have successfully paid off as agreed ; earlier as agreed. I do not feel I should be forced to give them my full credit report. Who does that? No other agency ask for these over the top prerequisites to be considered for removing derogatory information. I dont understand why this agency is so punitive with a client who was committed with paying them back their money. Despite illness and circumstance I made the sacrifice to make sure they were paid. I requested that they make good on their promise. I requested a 30 day late payment to be removed and their having me jump through hoops ; this process seem violating and just plain wrong. Again I should NOT be forced to pull a full credit report before NetCredit will even consider looking into this matter.
Consumer complaint received 2024-03-19
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 have encountered an issue with TransUnion regarding their failure to remove inaccurate account information from my credit report, despite clear evidence provided that supports my dispute. XXXX and XXXX have already acknowledged the inaccuracies and have accordingly removed the disputed accounts from their reports. However, TransUnion has not taken similar corrective action, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, under 15 U.S.C. 1681i ( a ), credit bureaus are required to conduct a reasonable investigation of disputed information within 30 days and remove or correct any inaccuracies. Despite submitting proof of the inaccuracies, TransUnion has failed to remove these disputed accounts, which raises concerns of non-compliance with this provision of the FCRA.

Moreover, the continued reporting of incorrect information by TransUnion contravenes 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy in their reports. This persistent inaccuracy in my credit report is causing me undue financial harm and could unjustly affect my credit score and borrowing capabilities.

The lack of action from TransUnion seems to constitute a willful neglect of their obligations under the FCRA, potentially subjecting them to legal liabilities as outlined in 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). Given the evidence I have provided and the corrective actions taken by XXXX and XXXX, I expected TransUnion to comply with these legal standards and correct my credit report. 

I am seeking the intervention of the CFPB to ensure that TransUnion adheres to the FCRA 's requirements by conducting a proper investigation into my dispute and by removing the inaccuracies from my credit report immediately. The failure to correct this information not only violates federal law but also continues to unjustly impact my financial well-being.
Consumer complaint received 2020-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I send money through money gram to XXXX the money was never received by the recipient and he contacted the customer service in XXXX they told him they dont have that transaction, I contact money gram they told me is going to take 90 days to investigate is more than 90 days I call them they told they is nothing they can do Date XX/XX/XXXX Time XXXX Ref:XXXX Amount {$500.00}
Consumer complaint received 2020-08-07
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. (AZ)

Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Consumer complaint received 2020-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I sold my home at XXXX XXXX XXXX on XX/XX/2020. US Bank owes me approximately {$380.00} due to an overpayment. I've been trying for nearly 2 months to get that payment sent to me and they are not sending it, even though the pretend like the " check is in the mail. ". I've called at least 5 times, been told it will be resolved, only to never have my money arrive. They have no problem mailing me credit card offers, closed statements for my old checking account, or any other documentation. It's ONLY the money I'm owed that never gets to me. They also never have provided a written closing statement to me.

I've attached a statement with my account number and name so my info can easily be ID 'd.
Consumer complaint received 2020-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/20 I received a call from your Midland Credit Mgmnt, a debt collector. XXXX stated it is a XXXX XXXX visa account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements. 
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact XXXX XXXX 
The same day, I contacted XXXX XXXX and sent them a letter and to this date, have not heard back. 
Mid-XXXX, I received another call from MCM, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM. 
We heard nothing until today. A call from XXXX XXXX at MCM. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges. 
I am now frustrated beyond words and is requesting your assistance in this matter.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On Experian 's WEB site ( XX/XX/2020 ), I could not add a fraud alert using my personal information. Tried several times and different days ... but it asked for data, which wasn't even on the form ( see next 6 items ) 1 ) Please correct your most recent previous address.

2 ) Previous city 1 is a required entry.

3 ) Previous ZIP Code 1 is a required entry.

4 ) Please correct your second most recent previous address.

5 ) Previous city 2 is a required entry.

6 ) Previous ZIP Code 2 is a required entry. ) Tried Experian 's main site, which apparently 'got ' me signed up for a 'free trial ' which I apparently can not cancel ( called XXXX which has a constant busy signal, over the course of 20 calls ) ... then Experian 's site tried to sell me on a $ 20+ per month product ... when all I wanted was to set up a free fraud alert.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC ()

The Last first of XX/XX/2020, I called to Shellpoint and they informed me that the loan payments were 5 months overdue and that the house was in a foreclosure process, which took me by surprise because I was NOT notified by any means or written, neither by phone nor by email. They also said that my contact details had been wrongly registered so there was no communication of any kind with me. 

I have tried to communicate with shellpoint several times by emails ( attached ) and phone calls in order to assist me through the remainder of the loss mitigation process concerning my mortgage loan, but I have not had any clear and concise answer. 

I only want to know which plan either " Modification '', " Forbearance Plan '', " Repayment Plan '', etc would work for me to pay the loan. 

I really feel uncomfortable with this situation and I would like to make a formal complaint
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I received my CapitalOne credit card statement with a XXXX XXXX of {$4600.00} due on XX/XX/XXXX. I forgot to make the payment on XX/XX/XXXX and instead the payment of {$4600.00} was made and posted to the account on XX/XX/XXXX. At the same time I called CapitalOne to apologize for the late payment and to request that they waive the late payment penalty and any interest charges which they agreed and posted a credit of {$38.00} and {$66.00}. At this point I thought everything was resolved. I always pay the balance in full and rarely make a late payment. 

On XX/XX/XXXX I received my CapitalOne credit card statement with a New Balance of {$11000.00} due on XX/XX/XXXX. I made the payment on XX/XX/XXXX in full and it posted to the account on XX/XX/XXXX. However, I was surprised to learn that there were additional interest charges to the account in the amount of {$72.00}. I called CapitalOne to complain and they refused to remove the charges. CapitalOne pointed out that on the back of the statement in fine print, under How Is The Interest Charge Determined, it says, " You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. '' This is a misleading statement, the " may '' should be replace with " will '' and the " generally '' should be removed. It should ready " You will owe Interest Charges ... '' and " ... you must pay your New Balance in full two ... '' Under the previous section, How Can I Avoid Paying Interest Charges?, CapitalOne never states how to avoid this situation. It reads, " If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. '' We paid the New Balance in full ( two days late ) and we were still charged interest on new balances. 

If we had known that CapitalOne was going to charge interest on new purchases we would not have used the credit card during that billing period in order to avoid paying interest. CapitalOne should have disclosed this under the section, How Can I Avoid Paying Interest Charges? 

We have asked CapitalOne to credit the interest charge and they have refused. In fact, their representatives are so poorly informed that they could not even tell us if we would continue to have interest charges applied if we pay the New Balance this month and so we have made a payment in excess of the New Balance.
Consumer complaint received 2023-01-06
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. (AZ)

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

XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ON OR ABOUT XX/XX/XXXX, I REQUESTED VALIDATION OF ALLEGED DEBT FROM CCB/DNTLFRST WITH SPACIFIC INSTRUCTION ON HOW I WOULD LIKE TO BE CONTACTED THE Y VIOLATED THE INSTRUCTIONS AN SENT A VERIFICATION LETTER STATING IT WAS VERIFIED AN NOT VALIDATED LIKE I REQUESTED ALSO THIS IS A MEDICAL DEBT AND SHOULD NOT BE REPORTED ON MY CONSUMER REPORT WHICH IS A VIOLATION OF HIPPA According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation.
Consumer complaint received 2020-10-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (LA)

I fell behind on my monthly payments. The manager of the XXXX XXXX branch of One Main Financial harassed me at work. She repeatedly called me daily on both my cell phone and work phone. She even faxed proof of income request forms to my work fax machine that was publicly visible by my colleagues. She was told on several occasions that she was calling the office phone number ( which was a XXXX ) and not to call back by me and the manager on duty. She continued to call me at work which was stressful and embarrassing for me. After I XXXX, I accepted a new position but had not officially started work there. I had not provided any new job information or updates to my work phone/address etc. to One Main Financial.  Somehow she was able to locate the company which was out of state! She began calling my new employer. I did not provide the contact information but somehow she called the XXXX  manager and he contacted me about the phone calls. Again I was harassed and embarrassed at my new job. This was a violation of my privacy and completely unethical.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc. (TX)

XX/XX/20 -I received a phone call from CBE GROUP , stating that I owed a balance of XXXX ( XXXX XXXX ). After information was provided, on a recorded line, I told the representative ( XXXX  ) to  cease and desist all forms of communication with me. The representative then became upset and asked why I was requesting a cease and desist action. Today ( XX/XX/20 ) I received a letter from the same company stating the same information, after I told the representative to no longer contact me ( cease and desist ). The debt in question has already been discharged.