davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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. (OH)

I have file disputes with TransUnion about a XXXX listed in my report. TransUnion keeps verifying as accurate and verified with third party vendor XXXX XXXX, however I have a copy of my XXXX XXXX consumer report showing no XXXX present. I have sent TransUnion the evidence and they fail to remove and keep verifying as accurate. They also have never notated my dispute for the XXXX in my report as being investigated during the 30 days.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE No one has contacted me COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE I am still waiting a responded from the company but I still facing the same problem.
Consumer complaint received 2022-12-01
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (NJ)

Hello, I received the attached dispute results from Experian and decided to exercise my consumer rights under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) requesting the method of verification. 

Experian has yet to provide the method of verification used to determine the accuracies of the attached accounts they deemed verified and that any automated response or e-Oscar verification is unacceptable. 

I requested that 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account.

3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Experian has still not provided this information and it is now well over 15 days. They are now in violation of FCRA. 

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian has yet to do so, only providing me a generic letter via email, that is also attached, with none of the above requested information that has to be provided according toFCRA, section 611 ( a ) ( 6 ) and ( 7 ). 

Thanks, XXXX
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I opened the account with Sinchrony home ( bank ) in XXXX and paid month by month taking advantage of the 12-month payment offer. first with the purchase of a piece of furniture at XXXX XXXX XXXX XXXX. and after 6 months we purchased another product from XXXX XXXX, with the same 12-month interest-free credit opportunity. Unfortunately, in XX/XX/2023 I became unemployed and paid almost all of the furniture and asked for the payments to be extended. They informed me that I could still pay until XXXX of this year with the possibility of taking advantage of the offer. In the month of XXXX, I reopened a Care Credit account from the same bank and advised that they would allow me to receive the refund of my taxes to make the full payment. Last Monday, XX/XX/XXXX, I called to let them know that I would soon make the full payment, they told me and today I called to make the full payment of XXXX dollars. At the end they thank me for being an excellent customer and announce that unfortunately they have closed my account. to which I tell them that I don't understand, because I wasn't calling XXXX, but they told me that since I hadn't paid since XXXX and they were trying to collect the debt, I no longer had the opportunity to use the card that they themselves closed. I told them how much this frustrated me because I know how delicate it is for a bank to close my account and the worst without having submitted my debt to collection and having demonstrated that even without a job I was responsible for my debt.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

Item XXXX : The most recent payment history that I received from Ocwen on XXXX/XXXX/2015 shows significant variances in the principle balance over a very short period of time. Example of the variances are as XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX $ XXXX XXXX : Escrow balances on the payment history shows significant balance variances all shown on XXXX/XXXX/2015 of the report. The balance varies from a high balance of {$3600.00} to a low balance of {$560.00} all in XXXX day. The variance is {$3000.00}. Payments in the amount of {$1800.00} were made out of escrow for property taxes and home owners insurance payments. 
A reasonable person examining the payment history that Ocwen provided would not be able to determine whether the account balances on the mortgage are correct. 
The payment history provided by Ocwen reveals numerous accounting irregularities suspense adjustments, account balance reversals and variances that are not standard accounting practices or simple clerical errors and may constitute violations of both RESPA, CFPB rules and laws, or fraud. To date I have been unable to obtain satisfactory responses to my Ocwen complaints from the Ombudsman, Relationship Manager, or any entity within Ocwen.
Consumer complaint received 2021-07-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I filed a lawsuit against XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX on XX/XX/2019. The Defendants, did not have a Multifamily dwelling license for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Md XXXX ; ( Citation # XXXX and Amount of Fine {$500.00} ) and registration citation ( Citations # XXXX and Fine Amount {$100.00} ) Also, which should have prevented them from doing business in the District Court for XXXX XXXX, Maryland. They were never legally entitled to any money or to place Plaintiff, XXXX XXXX in the position to have a rent escrow action or furthermore any judgments due to renting an illegal apartment not up to code, amongst other misrepresentation. This company owes me and unfortunately I couldnt get a judgment in my favor as I represented myself Pro Se on a brief XXXX  meeting with the defendants lawyer and a judge during the pandemic, so I never got my demanded jury trial. The Defendants didnt counter sue and I was not served a judgement for {$9000.00}. I dont owe them anything. XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX Company sold this misrepresentation debt to Fair Collection and Outsourcing/FCO and failed to name ALL PARTIES INVOLVED. The CASE Number : XXXX CIVIL IN RE : XXXX XXXX vs XXXX XXXX XXXX, et al. has been reopened/active with no counter lawsuit. Furthermore, I am asking to cease and desist.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from TransUnion if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017,  10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have written Transunion three times requesting a late reported is inaccurate. They responded one time. Did not respond at all the second or third time. Nor did they correct the error. 

The error in question is XXXX  XXXX XXXX XXXX XXXX with a late reported XX/XX/2020. This is inaccurate and was verified as inaccurate by the creditor. 

I also asked them to correct the spelling of my middle name. They will not. 

My name is XXXX XXXX XXXX
Consumer complaint received 2019-07-29
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: Bread Financial Holdings, Inc. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.  

 

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate:  

Account Number:XXXX
Company: CB/VICSCRT
Status:Unpaid
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

Radius Global attempted to collect a debt that I allegedly owe. In doing that, Radius Global violated several of my federal rights as a consumer. They have diminished my character and affected my ability to obtain credit as well as violating my privacy pursuant to 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), and 15 USC 1681a ( 4 ).
Consumer complaint received 2023-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PRA has not yet removed this old outdated account from my profile. There is no statement of activity and most recent date of XX/XX/2015 would make this account too old to even be on my profile. 

1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists PRA is not licensed in my state and I demand removal or expect monetary damages in the amount of XXXX dollars for each month this has reported to my credit report
Consumer complaint received 2019-07-29
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: Experian Information Solutions Inc. (TX)

I pulled my credit to see what was happening as is my right. I ahve written Experian many times telling them that they are reporting inaccurately. However, they have done NOTHING to fix the problem. I write them XX/XX/19 an let them knowthey are reporting an account inaccurately and where the information came is unknown to me on collection company called XXXX XXXX - on XX/XX/19 they responded and stated their notes they updated the account and processed it in XX/XX/2019. They didnt make a single change or update to the account as referenced on page 3 of the submitted document. I have shown that a paid account is NOT A CHARGE OFF. I then disputed it again on XX/XX/19 pointing out more errors that they could not have updated or validated the account as there are THREE ( 3 ) different dates of last activity with all three main bureaus. Again I expected deletion as is my right since they are reporting inaccurately. I wrote them again on XX/XX/19 and advised them that the account was never a charge off and yet they started reporting is as such when that was never the case and for well over a year there was no reporting. They responded that they updated the account. The only change made was removing the comments section and NO LONGER REPORTING account is in dispute. See enclosed information. They have never looked into this account. They have never verified it to be accurate. This is a direct violation of my rights. On THREE seperate attempts they have ignored my letters and just gave fluff back. Never once did they follow through and get the correct information on the account. I demand deletion for the inaccuracies as well as for their PROVEN violation of the FCRA/FDCPA. I have written them a 4th time, but given their extreme neglect of my rights I dont suppose they will do any better.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX and XXXX, as well as reporting completely inaccurate balances due. ( Please see pages attached from my credit report. ) There isnt an outstanding balance due on these accounts. I have attached a copy of the post from the Consumer Financial Protection Bureau stating that the student-loan servicing company XXXX is steering borrowers toward suboptimal repayment options. The interest they are showing that is being charged is absolutely usury ; is illegal and is resulting in completely false reporting. In addition, the false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove  these however, I have not been successful.
Consumer complaint received 2020-02-26
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. (NY)

Name : XXXX XXXX XXXX Experian Membership ID : XXXX Date of Incident : XX/XX/2020 Today 's Date : XX/XX/2020 Residence State : NY Dear Sir or Madam, I receive many solicitation emails from Experian since I'm an existing member, however, on XX/XX/2020 I received one of their solicitation emails that clearly stated my first name and the amount of my credit card debt ( snapshots are attached for your review ) in the email 's subject line. 

I find this highly disturbing and horribly invasive regarding " my '' personal information. Also, why make it easier for identity thieves since they're getting very sophisticated in their M.O. 's. I followed up with three phone calls to Experian @ ( XXXX ) XXXX on XX/XX/XXXX to discuss my issue to no avail ; their automated menu options are limited and there is no option to talk to a real, live person. I then called ( XXXX ) XXXX, also to no avail due to the same issue. 

To be clear, my issue is with publishing my outstanding credit amount and my name in the subject line of their solicitation email for anyone to see, whether they be an Identity thief, a family member/friend, or a casual passerby. Something about this seems terribly wrong and possibly unlawful. I did a quick review of their Privacy Policy and could find nothing that addresses this issue. No one should have easy access to info. of this kind, not even myself and especially in an email, unless they clearly validate their identity. 

Included are webpage snapshots of the email in question, a close-up of said email, the body of the email itself, and the two Experian numbers I called with no results whatsoever. 

I would be most grateful for a response to this matter, and I thank you sincerely in advance for your assistance and advice on this issue. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (AR)

previous complaint XXXX is not resolved & the nature of the complaint remains the same. I still receive calls daily. Today I received my most recent call from the number listed on the complaint at XXXX XXXX central time. the company response to my previous complaint suggested that I may have additional numbers that I need to provide ; however, XXXX is the only number for my business. I 'm very frustrated with the lack of resolution in dealing with this issue & hope that you can influence a result soon.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (AR)

Debt was due to a Doctor visit in XXXX. Debt was believed to have been paid in the full amount and we never received any other information regarding payment. That is, until summer XXXX we received a letter informing us we were now in debt collections and needed to pay this amount. We were very surprised but it was an insignificant amount so we paid to clear our debt history. Another year has passed, now in early XXXX and we decided to refinance our home. As we go through the process it is found that we are again in debt collection, this time for {$50.00}. Again, I have paid to clear this debt. All of this is still stemming back to the original XXXX doctor visit. Notice, we have received no information about this debt whatsoever, by phone or mail to our address. I only now found it because of the refinance while it has sat on our credit report for nearly 2 years. This has undoubtedly and unnecessarily damaged my credit. I can only hope it does not affect my homes refinance, as it will cost me upwards of {$70000.00} because of a {$50.00} charge that should've been fulfilled years ago.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I have disputed with Experian multiple times a bankruptcy that is reporting on my consumer disclosure report. Their response has been that it is accurate and verified thru a 3rd party furnisher named XXXX. They have not provided any documentation or supporting evidence of this bankruptcy. XXXX does NOT have a bankruptcy reporting on my XXXX consumer report ( see report attached section 8, page 12 ). This is inaccurate and false reporting of a bankruptcy on my credit report. I have also contacted the noted court on my report and they stated they have not reported this item or any item to any bureau or data collector. How is this item being validated, verified, and proved???
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX Huntington charged the Automatic Draft to my Bank Account, XXXX as per Funds Transfer Contract and Charged XXXX Interest. They cashed my payment of {$1000.00} check # XXXX marked Principal only and applied XXXX on XX/XX/XXXX ( 4 days later ), then charged another XXXX Interest. 
Huntington Double Charged me Interest in XX/XX/2018. {$140.00} was charged on an XXXX pyt of XXXX on XX/XX/XXXX and {$140.00} was charged on a principal pyt of XXXX check # XXXX on XX/XX/XXXX. 
Huntington Failed to Auto-Draft my bank account in XX/XX/2018. And again in XX/XX/2018 cheating me out of a Principal Payment of {$1200.00} # XXXX. 
Huntington Double Charged me interest on XX/XX/XXXX amount of XXXX AFTER charging XXXX 3 days Prior on XX/XX/XXXX. 
Huntington Double Charged Interest to My Mortgage on XX/XX/XXXX amount of XXXX After Charging XXXX XX/XX/XXXX. On XX/XX/XXXX Huntington only credited me XXXX for a Principal ONLY Payment of {$500.00} dated and sent XX/XX/XXXX.
Consumer complaint received 2020-02-26
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: JPMORGAN CHASE & CO. (OR)

I found a fraudulent charge on my Amazon Chase credit card in XXXX 2019. I only use this card for XXXX purchases. This charge was from a strange company out of XXXX called XXXX  XXXX and the purchase was for a {$480.00} vacuum cleaner. I called Chase immediately when I found this, disputed the claim, asked if I should close my account or get a different card number. They sent me a different card number. The representative said that the item was shipped to my business address, but only my physical address without the suite number. I stated I would never do that because I always include my suite number when I order anything to be delivered here. I am very shaken because I didn't purchase this item, and someone had my information enough to include my physical address, and used my email address but it went to spam so I didn't catch it. I asked if I should file a police report, she said no. She said that it will be taken care of. I got a letter in the mail today, saying that because " I received benefit from this transaction. '' that I was denied and now owe the {$480.00}. I would like guidance on how to go forward. When I go to the website of where this was purchased it is very sketchy. I'm not sure what to do or how to go forward and would love some guidance.