davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I filed a compliant with CFPB about unsolicited mail previously ( CFPB Case No : XXXX ). Now Capital One has responded indicating they shared my information with Kohls and Saks without my permission. They offer a 3 removal not the permanent removal under standard credit bureau rules.

I find a 3 year removal unacceptable and unsatisfactory. I REQUIRE a permanent removal, furthermore my information was shared with 3rd parties ( Kohls & Saks ) according to their letter without my permission. If they contact me, I will take it as a violation of affiliate sharing laws and file another compliant both based on those grounds at the State and Federal level. I don't believe that Capital One " abides by all applicable laws and regulations ''. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines. If this is not resolved I will start looking for leaders that work for Capital One on XXXX and start contacting them with this issue and response letter. Then as I indicated previously, I will file a series of complaints against Capital One, Kohls and Saks. I will attach this original letter and compliant with the unsolicited mailer. I will make sure that Kohls and Saks are aware that my information was shared without my permission when filing the complaints by Capital One. I will continue aggressively pursue action against Capital One until my name is removed permanently and not shared with 3rd parties. No, not removed permanently. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines.
Consumer complaint received 2023-03-27
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. (FL)

After multiple attempts to get Equifax to address the reporting violations on my credit report, no response as well as my report is full with FDCRA violations. I have a copy of the letter I sent via United states postal service certified mail along with a copy of my credit report that is currently reporting information that has no legal standing to be reporting on my credit report. I also, included my Identification verification to show proof of my identity. Please investigate and hold Equifax responsible for the damage their neglience is causing to my livelihood.
Consumer complaint received 2018-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OR)

My payments to XXXX XXXX have not been applied correctly. I received a letter from XXXX around XX/XX/2018 stating {$1200.00} due by XX/XX/2018. I had made a payment as of around XX/XX/2018, have been making payments on time monthly since my last complaint back in XX/XX/2018. I am totally confused as to why a {$1200.00} payment was due & now, per XXXX, I am 6 months behind on payments. I called XXXX several times before and after XX/XX/XXXX to find out what was going on. I did not make XX/XX/2018 payment due to XXXX rep, finally letting me know 'no one could talk to me until they got clearance '. A call was received from XXXX as of XX/XX/18 while I was at work, a recorded message left to call back. I called back at XXXXXXXX XXXX this same date & spoke w/ XXXX , who states the car is set for repo at this time, that I am 6 months behind as of XX/XX/2018 in payments. I asked XXXX to explain to me how this was so & I had been consistently making on time payments. XXXX states there is a repo set what would I like to do. I did not have any response as I was not willing to make any payments & XXXX keeps sending me letters that I am behind. If I were really 6 months behind then the letter received for {$1200.00} would be incorrect. My payments are {$330.00} a month x 's 6 would be {$2000.00}. So I am completely confused as to why I received this letter in XXXX & XXXX states I was 6 months behind as of XXXX. The requested amount due does not even add up. XXXX did not even offer any other options, just repo set. I do not feel this is fair due to the fact that I have been consistently making on time proper payments. XXXX stated during this phone call that he would send my payment history by email & it has still yet to be received.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Was shopping for refinance loan on my home, XXXX XXXX informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I submitted a claim previously and I am not satisfied with the effort put forth by any of the parties including the CFPB to resolve it. Look here : According to the FAQ on SPS ' website ( XXXX XXXX XXXX ), they state the following : What happens if I send you more than the amount due for the current months payment? 
The answer to this question depends on whether you are current on your loan or past due. 
If you are current on your loan, and you pay us more than this month 's payment, the excess amount is used to reduce any fee balances first, then the principal balance of your loan. Any time additional money is applied to your principal balance, your loan may be paid off faster, assuming you continue to make your payments on time. 
If your monthly statement shows Past Due Payments, and you pay us more than this month 's payment, the excess amount is held in an unapplied balance until the balance reaches the amount of a regularly scheduled principal and interest payment. We then take the amount out of unapplied balance and apply it as a monthly principal and interest payment. 

please call attention to the 1st bullet point. It CLEARLY states when one pays MORE ( more than the required payment, it goes to the PRINCIPAL balance. THis is CLEAR as a blue sky. I do not understand why people do not do what they say they are going to do. ANd then the CFPB just turns and does squat? What the heck is that? Donald Trump should FIRE you! Fix this or I will XXXX the XXXX and complain about this garbage!
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

In 2011, took out a mortgage that later ended up being serviced by Fay Servicing. I read the report that CFPB fined them up to XXXX XXXXXXXX for multiple failures to protect consumers such as was the case with me, used illegal practices among other violations. The report says Fay has to pay back that money to those consumers harmed by those practices. How can I be assured that Fay will reimburse me? All of the details of my case can be found by contacting XXXX XXXX XXXX. Fay never offered or informed us about mortgage relief when this first happened. Now, for the past two years, I have been trying to get a loan modification with Fay and they keep asking for documents, then they let them expire and then ask for them again and again .... all while they have a pending case pushing for foreclosure. My lawyer says they ca n't pursue sale while we are in the modification stage yet they continue to do so. Thank you so very much. I look forward to hearing back from you. And look forward to the hope of getting reimbursed for damages.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Received alert from XXXX that a hard inquiry was made. 
I know this did not happen, I have not applied or attempted to open anything or made any changes. I was also out of the country on the date of XX/XX/XXXX and XX/XX/XXXX, which is when the inquiry was made and reported. My credit score was decreased from this hard inquiry, which is fraudulent. 
Called Experian and they told me to call Transunion, who would have more information. I called Transunion and they can contact the company ( XXXX in XXXX, WI ). I called this company with the phone # on the report and spoke with customer service. The XXXX agent did not have any information to share. I answered many questions for them and was transferred to a supervisor. After that no one came on the phone and holding I was disconnected.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (NC)

I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (WA)

Someone opened up XXXX accounts with TD Bank under my name, and gathered information from an XXXX account. They purchased random items on XXXX XXXX, and XXXX using these XXXX XXXX cards which shipped to my house. They then purchased a {$100.00} gift card and shipped it to their own address using one of those debit cards.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

I reached out to the debt collection company " Sunrise credit services '' for validation of debt listed on my credit report, upon receipt of my certified and registered letter, they responded with a letter which did not include itemized statements, or the initial date of delinquency. Without the validation of this debt the collection being reported would not be legal.
Consumer complaint received 2023-03-21
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: CLGF Holdco 1, LLC (NC)

In accordance with the Fair Credit reporting act, this company has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Sction2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc (AL)

My complaint is that I have an invoice that states one amount of a collection account and XXXX XXXX is reporting a different amount of {$170.00} to XXXX. I 'm disputing the entire account due to incorrect balance. I have attached the invoice that came from XXXX XXXX.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

A home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX was sold at public auction on XXXX XXXX, 2017 at the XXXX XXXX County Court House. The property had been recently refinanced and the company forwarded all closing documents to the trustee who continued his unethical practice of hindering trade and commerce and a violation of Florida Statute 542.18. The Trustee / Attorney violated Florida Bar rule 5-1.1, " by not following a directive of a client or protecting the interest of a client ''.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

This is in addition to complaint complaint XXXX about XXXX XXXX. Original complaint is follows : I have two store cards with XXXX XXXX. An XXXX store card and a Walmart store card. Both provide promotional terms and I have several promotions on each. A few months ago, I realized they were applying payments to promotions that were expiring in the future instead of the ones expiring sooner. This would result in having to pay interest. 
My only request was to take the payments from the future expiring promotions and apply them to the one expiring soon. They messed up the account by taking my payments from my non promotional charges and apply them to the promotional charges instead. Thus increasing my interest amounts and causing me to pay more interest. I have emailed a dozen times, talked to 2 customer service reps on chat and called three times to complain and have this fixed. They needed to re-apply to the interest accruing amounts due and then finish applying the rest of my payments to the first expiring promotional balance. it really was that simple. Now, this is the final straw. on XXXX-18 they made three rogue and fraudulent adjustments to my account. {$120.00}, {$100.00}, and {$98.00}. They were supposed to be fixing my account. Not charging me these false adjustments that have no credit adjustments. Just to be clear. Synchrony has charged me these fraudulent charges in the process of simply trying to fix it. Now I am with a customer service rep trying to fix it again to no avail. 

Adding that I found a 4th fraudulent charge Posted by Synchrony in the amount of {$68.00}. Total fraud charges by the company ( in the pursuit of them fixing misapplied payments ) {$390.00}
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP (FL)

I had two separate XXXX XXXX XXXX account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st  payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Blance is {$3500.00} and I was offering $ 1800- {$2200.00} to pay off and the refuse my offer.
Consumer complaint received 2017-06-28
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. (TX)

In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, Transunion and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in recovery from all XXXX XXXX XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, Transunion and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
Consumer complaint received 2022-07-11
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX  was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I recently received a copy of my credit report that Equifax publish and after reviewing it I found an item in question and have disput ed US Pr obation-  XXXX / XXXX / 16 . In which Equifax is still reporting this disputed unverified account on my credit report. They have also failed to send me copies of documents they have on file as of this date that was used to verify the accuracy of the disputed inquiry.
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting fraudulent accounts open in my name. I requested to the accounts be deleted from my credit report and they have failed to do this. There are three accounts from XXXX XXXX. One account from XXXX XXXX an another from XXXX XXXX XXXX.