davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (NV)

I acknowledge the effort taken to remove some items from my file linked to suspected fraudulent activity, yet there remain entries requiring deletion. According to FCRA Section 605, any items identified in an FTC report must be removed. I reference an earlier report with FTC Report # XXXX and bring to your attention a subsequent report, FTC Report # XXXX, which also lists these issues. My legal counsel is informed of my actions and is prepared to address any deliberate non-compliance on your part. 
For XXXX : Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion : XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. Please be advised that there is a four-business-day deadline to eliminate any items from my credit file that are the result of alleged fraudulent activity. I explicitly object to the use of E-OSCAR or any automated verification methods.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (PA)

I wanted to block all future charges on my credit card. It took 5 days to do this. I was on hold in excess of 25 minutes twice. The automated system did not work.it is very non-professional and frustrated. This credit card was issued by Comenity Bank.
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (OH)

I show a late payment on my account. I requested this be reviewed as I had attempted to make the payment and for some reason it did not process. This was 3 years ago. Just a few weeks ago I requested a review in writing and was rebuffed. The payment was attempted but for some reason was not applied on their end or did not process properly.
Consumer complaint received 2021-03-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

WE ARE REQUESTING FOR A REPAYMENT OPTION/PLAN OR MODIFICATION SO THAT OUR ARREARS THAT WE ARE PAYING THROUGH CHP XXXX BANKRUPCY, WE CAN HAVE THE BANKRUPCY CONVERTED TO A CHP XXXX AND PAY AN ADDITIONAL XXXX MAX A MONTH TOWARD OUR ARREARS SO THAT WE CAN CURE OUR ARREARS BECAUSE WE CAN AFFORD TO PAY OUR BANKRUPCY PAYMENTS, BUT THINGS ARE TIGHT BECAUSE WE ARE MAKING A HUGE BANKRUPCY PAYMENT OF {$1800.00} A MONTH. OCWEN OFFERED US 3 MODIFICATIONS BETWEEN XXXX, BUT DUE TO ME BREAKING MY ANKLE AND A YEAR LATER THE HARDWARE CAME OUT OF MY LEG CAUSING ME TO HAVE EMERGENCY XXXX. I AM NOT ASKING FOR A FOREBEARANCE ALTHOUGH WE PROBABY QUALIFY FOR ONE, WE ARE MAKING ENDS MEET AND WE ARE PAYING OUR MORTGAGE ON TIME AND WE JUST WANT TO CURE THE ARREARS WITH OCWEN/PHH BECAUSE THERE IS NO NEED FOR US TO BE IN BANKRUCPY WHEN WE CAN RESOLVE OUR OUR MORTGAGE ISSUES WITH OCWEN/PHH. THEY WILL NOT GIVE US A REAL REASON OTHER THAN WE WERE DENIED 6 TIMES AND THATS NOT TRUE, THEY NEED TO CHECK WITH THE SERVICER OF THE LOAN, OWCEN BECAUSE PHH IS COLLECTING THE PAYMENTS. 

THANKS VERY MUCH XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, NJ XXXX XXXX XXXX WE LOOK FORWARD TO HEARING FROM YOU SOON.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

We were told, and saw on the information that was provided to us that we had the option of paying no interest and no minimum payments if paid in full within 6 months. When we applied to the card we chose this option. Also, on the most recent statement, in the " Promotional Purchase Summary '' it has " Promotional Expiration Date '' as XX/XX/2022 ( we opened the card in XX/XX/2022 ). In the same section under " Description '' it says Deferred Interest/No Interest or Minimum Payment if Paid in Full. However, we were told that we were supposed to send the first payment on XX/XX/2022, and if we didn't we would incur a late fee. This doesn't make any sense given the terms of the No Interest and No Minimum Payment Option.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX and third party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged debt. On XX/XX/XXXX, I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/XXXX at XXXX XXXX. an Agent of this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX continues to ignore my requests. On XX/XX/XXXX this fraudulent item was removed from my credit report and this company willfully violated my consumer rights according to the Fair Debt Collections Practice Act. Specifically, I requested the documents from their filesthey used to verify this account. Under the FCRA, I have the right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. Who verified this account? What documents wete used to verify this account? Where are the documents they used? It has been eight months from the time of my initial request for validation and to date they have willfully ignored and violated my consumer rights by refusing to validate this alleged debt. XXXX XXXX is in direct violation of the law by continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested right months ago. XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, they are in direct violation and have totally disregarded the law. 
XXXX, WA XXXX
Consumer complaint received 2017-09-20
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: EQUIFAX, INC. (WY)

Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve.
Consumer complaint received 2018-04-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have a car loan with XXXX  XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Consumer complaint received 2018-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a car loan with XXXX XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Consumer complaint received 2021-03-05
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. (TX)

Credit bureau refuses to conduct proper investigation of accounts I have disputed. I have dispute accounts on my credit report multiple time since XXXX of 2020 for inaccurate reporting. On my last 2 disputes I clearly requested that I be provided proof of the methods used to verify my accounts and I was not given them. Where is the proof? what documents were used? Who did they speak to? where is a copy of the certified mail receipt? I was given nothing that I asked for. Equifax has continuously reported inaccurate and unverified information on my credit report that has significantly caused harm to my family and I and I refuse to take this matter lightly. I demand that these accounts be removed from my credit or that I be given the proof that I asked for. Also the credit bureaus claims the the furnishers sent me the documents that I requested and that to is a lie. I have received nothing via mail or by email. I have attached both of the letters that I sent specifically request proof or that the items be removed.
Consumer complaint received 2021-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello I was made aware through my email address from Capital One regarding my credit card, and that they are going to close my credit card due to activity of my card being used fraudulently. Well they can produce no fraudulent activity to me when I called and requested it, but said to me in this phone call made around the beginning of XXXX, that they are going to close my credit card account ( credit card # XXXX XXXX XXXX XXXX ) because of 10 transaction charges that have been tried onto my credit card in the 10 months that I have had the account. Yes I admit that during the whole time the pandemic has been going on, that financially I have struggled, but this Capital One Credit Card has the settings set up ( by me ) to deny any charges that are attempted if my account does not have the money to process the transaction. So I am saying how can this bank go against my wishes and allow transactions onto my card, when I have the account set up to not have that happen, and then allow the transactions to happen and use that against to now close this account. This is what I am asking help with and please ask for your help. Thank you! 

XXXX XXXX XXXX cell phone XXXX email
Consumer complaint received 2018-04-27
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. (TX)

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2021-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union is in violation of of my consumer rights only signed under Title 15 Chapter XXXX. Navy Federal Credit Union is violation of the Truth in Lending Act, and Equal Opportunity Credit Act, as I was discriminated against in regards to a consumer credit application for a used vehicle. XXXX and 15 USC 1691 states I cant be denied on an application if I exercise rights under Title 15 Chapter XXXX which is discrimination of character. I am being discriminated against for something Navy Federal Credit Union cant give me, nor can see, touch, smell, nor taste. Banks do not have the power to loan money or give out credit as they are a fictions entity. 12 USC 1431 clearly states the powers and duties of the bank, and Title 15 Chapter XXXX in no way shape or form defines the term loan or borrower therefore can not the application and myself can not be referrenced as such. Navy Federal Credit Union is denying my consumer credit application based on a credit score which is nothing but a debt calculator and have addressed their decision letter to a XXXX XXXX XXXX which is a corporation. I am in fact a natural born person, flesh, blood, and spirit under the most high and do business as XXXX XXXX, XXXX. How can Navy Federal Credit Union deny my right to my own credit when they dont even know who they are giving the credit to? I am not a dead man nor corporation, XXXX created natural persons ( living beings ) not corporations ( dead entities ). Navy Federal furnished a generic application/contract which must contain adequate and full disclosure pursuant through federal law. Every contract pertaining an automotive vehicle contains the promise that I have already given the bank or dealership the security interest for the vehicle and all pets or goods in the vehicle ; all money or goods received for the vehicle, all insurance, maintenance, service, or other contracts we finance for you ; all proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This would secure payments of all that is owed on the contract/application. Attached is a sworn affidavit of truth which is a law binding document, that must be met with documentary evidence and a sworn statement rebutting the facts within. A cookie has been mailed to Navy Federal Credit Union XXXX XXXX.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

In XX/XX/XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XX/XX/XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

on XXXX my mortgage company NewRez LLC paid insurance premiums to XXXX XXXX which is not my insurance for my house. NewRez said i must have authorized it, which was a lie. I called XXXX XXXX and found out it was not even my address or name on the account that was paid. They have returned the money to NewRez and both are saying it is the other ones mistake of course. The money has been cashed by NewRez but still waiting for them to put the money back in my escrow account. I do not want this to happen again or to some one else. I have been told it is my fault figure it out. I have tried and just want some one to explain how it happened and do not let it happen again.
Consumer complaint received 2021-10-23
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: Convergent Resources, Inc. (NY)

I am a Military Vet with over 10 years service to my country. I became XXXX  in 2016 for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

XXXX XXXX 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 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX commenity bank is terrible customer service. I had returned an item I purchased and the amount was credited back on the account. I made an initial payment with a representative and the wrong account digit was entered the payment was never processed and i was never notified of this. I then recieved a 2nd statement, a late fee and a finance fee. the finance fee was chanrged due to representative not completing the correct payment digit on my bank account and i was held responsible for this. the comapony told me there was nothing they can do and i was responsible for it. i then was never notified my accunt number changed in their system transfer so upon calling in to follow up with so much trouble a represenative could not access my information because i had an old account number. the commentiy bank has terrible customer service. very unclear communication. statements can not be accessed online because the web site will not let me access password reset. there is no represenative who can give me a full account number. this whole process is a nightmare and very difficult to get a straight explanation from peole who work for the company.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has called my phone several times a day for months. I repeatedly asked them to send me the information in writing so I can look over the information and make sure that I am dealing with an actual collection company. Now they are flagging my credit report every week for the same collection. But I still have not received any information in the mail. This company will call from different numbers from all over the united states.
Consumer complaint received 2021-05-07
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.