davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both XXXX, Transunion, and XXXX I have made serval attempts over the past 12 months trying to resolve this issue with XXXX, Transunion, and XXXX. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from XXXX  saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. Transunion sent back a letter saying Verified as accurate and XXXX. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. Transunion Stated the Bankruptcy was verified by the Bankruptcy Court in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how XXXX verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from XXXX, the letter from the court, and the letter i sent to XXXX. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both XXXX, XXXX, and Equifax I have made serval attempts over the past 12 months trying to resolve this issue with XXXX, XXXX, and Equifax. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from XXXX saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. XXXX sent back a letter saying Verified as accurate and Equifax. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. XXXX Stated the Bankruptcy was verified by the Bankruptcy Court  in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how XXXX verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from XXXX, the letter from the court, and the letter i sent to XXXX. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.
Consumer complaint received 2019-07-19
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. (MI)

I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX & XXXX credit agency and they have been harassing me and falsely reporting on me credit report.
Consumer complaint received 2019-07-19
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: Merchants and Medical Credit Corporation, Inc. (MI)

I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to M & M credit agency and they have been harassing me and falsely reporting on me credit report.
Consumer complaint received 2019-07-19
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: Experian Information Solutions Inc. (MI)

I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX XXXX XXXX credit agency and they have been harassing me and falsely reporting on me credit report.
Consumer complaint received 2019-07-19
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. (OH)

I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!
Consumer complaint received 2019-07-19
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. (OH)

I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX , US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX , US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!
Consumer complaint received 2019-07-19
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. (CA)

Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both Experian, XXXX, and XXXX I have made serval attempts over the past 12 months trying to resolve this issue with Experian, XXXX, and XXXX. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from Experian saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. XXXX sent back a letter saying Verified as accurate and XXXX. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. XXXX  Stated the Bankruptcy was verified by the Bankruptcy Court in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how Experian verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from Experian, the letter from the court, and the letter i sent to Experian. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (CA)

I wrote Care Credit on XX/XX/XXXX regarding my payment increasing from {$200.00} per month to {$230.00} per month. I am on a fixed income and right now I can not afford the {$230.00} per month. I know it is only a {$28.00} difference but it affects me in a huge way.
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have banked with USAA for 37 years, as spouse of XXXX veterans and divorced spouse of XXXX veterans. I have had a checking account, credit card, property insurance, car insurance in my name only for over 20 years. USAA has always been informed of, and known of my marital status changes, and I've never had health or life insurance through USAA. 

I opened a car loan in XXXX. I signed up for automatic payments to be made on the XXXX of each month. 

I am social security XXXX and needed a car to work part time and go to doctor appointments, work, shopping, etc. 

I have been paying principal only payments in addition to my auto payment with the hopes of paying the car off in 2.5 years. There was no charge for early pay-off. 

So, it was strange that when I hit {$1600.00} range, the amount of principal I owed stopped going down. I pulled up the payment records, and it appears that USAA turned off my auto payments without notifying me or asking permission and was just charging me interest and my loan protection fee. 

I called the evening of XX/XX/XXXX to ask them to take the auto payments out and back date the payments and adjust the interest. I was told they could not do that. So, I asked them that if I was in a financial crisis, could I call them and ask to just make interest only payments for a couple of months. I was told it didn't work like that. 

When I asked why they stopped taking the auto payments and just charged me interest, I was told it was because " I was so far ahead in paying. '' Three times the young woman told me this. I told her that I was obligated to make those auto payments and i did not give them permission to stop those payments. In effect, they were stealing interest from me and I wanted it back. 

The woman at USAA Auto Loans said she could not do that. 

I expressed disappointment to her and asked her to pass that on. I expressed I had lost trust in USAA and was considerig paying of the loan so they would get no more interest. I told her I was not angry at her, but at USAA. 

I payed off all but about {$50.00}. When I went in to cancel auto pay, it said my next auto payment was due on XX/XX/XXXX. When I told them to turn it off, it said it was already turned off ... .. not my me. 

I have screen shots of all this. The call took place the evening of XX/XX/XXXX Eastern Daylight Time. I will attached screen shots showing I make principal payments, but they did not take the XX/XX/XXXX payment, at all, and only took the XXXX interest and loan protection fee. I also have screen shots of me paying a {$1400.00} payment and how they tell me that I am still responsible for the XX/XX/XXXX auto payment ; a screenshot showing that I am on autopay ; one of me telling them to cancel ; and one showing that auto pay was already turned off ( not by me ), though it was hidden from me in the previous screenshots. 

USAA taped the phone conversation, or so they said. 

To say I am angry is an understatement.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

There have been 3 occasions in the last 18 months where I was charged with a late fee, one of which was dismissed, the other two were not. There is a pattern here that I find disturbing. Every month I mail my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CA ) and Comenity ( XXXX XXXX XXXX, XXXX XXXX, TX ) at the same time as they are both due on the XXXX of the month. The receipt of payment for the two companies is interesting : XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, not dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$34.00}, not dismissed upon contacting Comenity ) The post office tells me that the delivery to XXXX XXXX should be 3-5 days. My online research has indicated that Comenity is highly reported to charge late fees inappropriately. I find it very concerning that no matter when I send payment, it posts a shortly ( 2 times, 1 day ) after the due date. 

Since I am a semi-retired senior who is on a limited income and who values my credit rating, I will not be doing business with Comenity again.
Consumer complaint received 2019-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

In summary : I have a VA loan with XXXX XXXX whose servicing is collecting my mortgage debt by Lakeview. The anniversary of the loan is XX/XX/2016 ( 3 yrs. ) For 19 months I paid {$720.00}, then 3 months {$690.00}, then for 11 months {$710.00}, NOW they want to bill me {$890.00}. Thats when I said ; I better take a look at what is happening here. They have asked me to pay {$1400.00} for a shortage in escrow. Then another time {$140.00}. So, I followed the steps required to stop escrow. I have been played for about a year. So, this year I decided to pursue the issue with greater attention. After carefully reading the documents I believe they just want the period to come to an expiration where the I Insurance request will lapse. 
I have searched high and low for some kind of r view for this company and have and no success. I wanted to know if others were having my issue, where THEY over pay the wind and hail ( XXXX ) and that is their fault which is passed on to me. THEY have also over paid the Home Insurance w XXXX. I have had conference calls w Mortgage and Insurance, but I keep getting no answers to my questions and I get no calls back when THEY say someone will look at this. Im waiting for them to make the proper adjustments. Please Help! XXXX or XXXX XXXX XXXX XXXX Names I have talked to : XXXX in Management, XXXX in Insurance and her Supervisor, XXXX in Escrow, XXXX in Customer service,
Consumer complaint received 2017-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (MD)

On my XXXX report, Net Credit as of,XX/XX/XXXX, is listing my account as being closed on XX/XX/XXXX and reporting the account as closed/charge-off. However, all other reports have shown that the account was closed/sent to collections in XX/XX/XXXX. I entered in a payment arrangement with Net Credit in XX/XX/XXXXand agreed to pay {$170.00} per month for 61 months. I have been paying said amount since XXXX. On XX/XX/XXXX I received an email from Net Credit offering me another payment plan of {$170.00} for 55 months. With my account now reporting that it was closed on XX/XX/XXXX - I find it peculiar that I received that an email 2 days before asking me to enter into a new payment arrangement. With the new reporting date, Net Credit is purposefully try to re-age this account to keep it on my credit report a year longer than it is supposed to be. Net Credit with it 's obscene interest rates and predatory lending practices has already wreaked enough financial and emotional hardship ( to include almost making me lose my job ) that at the very least they can correct their reporting to the credit bureau. I would also like to ask the company to remove the charge-off status on my report. I am in the process of trying to refinance my home to pay for the extensive medical care that my XXXX year old son needs. He has a XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ), and his medical bills are mounting. This charge off status is not allowing for the refinance to happen and is literally going to cause my child to miss out on the medical care that he so desparately needs. While I doubt this company cares about the health of my child and or my circumstance, it would be life saving if they did.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was faxed to Capital One XX/XX/XXXX however as of this date no reply or update of the investigation has been provided. This is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION (TN)

I have a BP BUSINESS mastercard my only uesd it for the frist time on XX/XX/XXXX at XXXX XXXX XXXX for XXXX and when I tried to used my card again on XX/XX/XXXX my card was denied so I call and ask them way! And they told me my card was block to used ur card out of network and I need make a payment frist before they unblocked my Card I talk to XXXX different people and no one couldn't help me but telling me to make a payment..after that I look at my account online and there was transaction trying to be made on XX/XX/XXXX at XXXX I told that wasn't Me and and they still blocked my card and told me I probably don't get my card!!! After I told my information was Stolen and I need a new card they tell they can't do nothing...
Consumer complaint received 2022-12-15
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 (PA)

This compliant is regarding an unresolved Capital One Credit Card dispute case number XXXX Capital One did not resolve the dispute initiated in the amount of {$20.00} billed on XX/XX/2021. Capital One communicated that they did not receive response to asssit with the claim. The consistent lack of providing card member support regarding disputed transactions does not meet their advertised member service and agreement.