davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please see my previous complaint regarding XXXX reporting my balance incorrectly with XXXX. They responded saying they updated the balance, however, I received a notification from XXXX  last week that they reported the account as closed. I submitt4d a new CFPB complaint and today I received another email from TransUnion saying XXXX reported the account as closed. Please report the account correctly with TransUnion and please be careful not to change the status at the other bureaus. The account should be reported as Open, pays as agreed.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (PA)

Web site is inaccurate. Does not reflect principal payments once a payment has been made. I've talked with Support on the phone at least 3 times to correct the problem. 

On the web site it only shows the interest paid, but neglects to show the principal. 

For example, I make a payment of {$300.00} a month. About {$35.00} is interest, but the remaining {$260.00} does not show as payment to the principal. This has been occurring for at least 4 months since Discover Student loans took it over. Had no problems when it was managed by XXXX XXXX. 

I am very concerned that I am not getting my correct balance allocated towards my principal because of this ongoing error.
Consumer complaint received 2018-04-24
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. (MO)

Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights
Consumer complaint received 2019-03-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capehart & Scatchard PA (SC)

Husband had a roof put on called company they did not want to talk to me sent all death certificate to them they sends my name to threaten my house in foreclosure for XXXX my house worth XXXX
Consumer complaint received 2019-10-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

Good day, Sometime during XX/XX/2019 Freedom Mortgage offered to refinance my mortgage with them from 4.0 to 3.5 %. I agreed to their terms and was told i wouldn't need to pay the month of XXXX because that would be included in the new refinance loan. There were some issues with the documents and i was not able to close out on the loan during XXXX. Once the documents were corrected i was not able to schedule the closing because i was late on my XXXX payment. I was charged a late fee and the missed payment was sent to the credit bureaus. I made the XXXX payment early in XXXX in order to schedule the closing on the new refinance. When scheduling i was told again i didn't have to make the XXXX or XXXX payment and that the first payment will be due in XXXX During closing i was told the same thing yet i received another late fee for XXXX.
Consumer complaint received 2022-07-21
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: BARCLAYS BANK DELAWARE (LA)

I filed a dispute claim on XX/XX/2022, regarding the merchant XXXX XXXX XXXX XXXX. The management made an unauthorized charge on my Barclays Visa Card without my knowledge or consent for guests that I did not authorize. I called and emailed the manager regarding the charges but he did not provide a resolution. The total amount of the unauthorized charges is approximately {$1100.00}. 

I filed a complaint with Barclays Credit Card on XX/XX/2022. I received a letter on XX/XX/2022, which stated, " Unfortunately, we're unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason : We were not provided with proof of paid by other means. I do not understand ( paid by other means ). 

I provided Barclays with emails regarding how I was paying for the rooms for my XXXX XXXX and XXXX Celebration. I did everything within my control to reach out to the hotel several times regarding what I authorized on my Barclays Credit card. A Barclays representative told me I should have not given them my card number. If you asking for service from an establishment it is required to give your credit card to hold the rooms. 

Seven of my guests ' rooms were charged to my credit card. I had approximately 43 guests from several states who paid for their rooms with their credit cards. I book 10 rooms for my guests. Five of the rooms were booked for my brothers and, I authorized my card to be charged.

I want Barclays to remove the {$1100.00} from my account. XXXX XXXX XXXX XXXX is charging me for their incompetence.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-29
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OR)

I am a XXXX XXXX and receive only one paycheck over summer. So on XX/XX/2018 I submitted three months of payments for my loan with Santander Bank. 

On XX/XX/2018 I called because I was unable to view my account online. 

When I called the women informed me that I was delinquent. 

When I asked why I didnt have access to my account she said I couldnt have access because I had filed Bankruptcy. 

This seemed like odd news since I obtained this car loan two years after filing bankruptcy and had historically had access.

When I questioned this she told me that they had changed their policy and would now only allow you to prepay payments for up to two months. This was never disclosed to me. Nor was their new inability to grant me visibility online to my account. 

I was told that I need to pay an extra payment to now bring my account current. 

This appears to be both unfair and deceptive lending practices to me as a consumer.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

For years I have been trying to get NELNET to apply additional payments. Recently I resorted to sending the additional payment in seperately and denoting on the check that the payment is to go towards the principal. They continue to refuse to post the payment towards the principal.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-22
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. (NC)

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XX/XX/XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account Federal Loans, 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 2018-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I received a notice in the mail from XXXX XXXX to collect a debt on behalf of XXXX XXXX XXXX for Homeowner Insurance in the amount of {$710.00} for coverage from XX/XX/2018 thru XX/XX/2018. However I do not owe XXXX as I had insurance with XXXX  from XX/XX/2018 to current date ( XX/XX/2018 ). I provide XXXX XXXX the notice I received from XXXX along with the email that I sent XXXX Agent XXXX, and a copy of my insurance police. The reason why I sent this information is because the Notice I received from XXXX  stated under IMPORTANT PLEASE READ : You may not owe any earned premium if there was other insurance coverage during this time period. If you had other insurance coverage, please provide proof of coverage to your XXXX agent. Not only that before this even went on my credit or to the debt collection agency I sent the required information to the XXXX Agent to remove the balance. Instead of XXXX XXXX reading the notice, XXXX XXXX sent me back the same information I sent them. This needs to be removed off my credit and debt needs to be cleared as it is not owed.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

I requested a complete and fully executed set of documents pertaining to our loans because I discovered that we were not given copies of all documents. I learned this when Mr. XXXX read from a screen information that was never disclosed to us. Flagstar emailed partial documents that are not fully executed. I requested a fully execute set again and Flagstar has refused to provide me with a fully executed set. Instead, it claims it sent a set of the documents to me already. In reards to the incomplete docs that Flagstar emailed, there are missing signatures and amounts as well as the Broker Commission disclosures. Further, all Disclosures that were prepared by Flagstar bank for us to sign were not included. I have requested a complete and fully execute set of any and all documents that pertain to our loans more than three times and as of today, XX/XX/19, Flagstar has not provided a satisfactory set of copies.
Consumer complaint received 2018-12-11
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: EQUIFAX, INC. (CA)

I am writing to you for help regarding my Credit Report with EQUIFAX. I am launching a complaint due to the fact that Equifax is not adhering to the FCRA Rules and Guidelines. Their reporting is inaccurate. They are reporting inaccurate information from data furnishers. They are not even trying to investigate the inaccuracies, and this is unfair to the consumer ( me ). I had a XXXX XXXX and XXXX and was hospitalize. During this time, I was staying with other people and my belongings were thrown in the trash by mistake, I was told. There are accounts reporting on my credit report that I know are not mine. Ive reported ID Theft and disputed accounts with all three Bureaus. XXXX and XXXX both have blocked and/or deleted accounts after their investigation. How is it that Equifax is coming up with a very different outcome? I have spoken with a few of the data furnishers and was told that its not coming from their end. I am asking for Equifax to now prove to me how they are investigating and their evidence that these accounts are mine. I want this proof for when I file suit in court for punitive damages and whatever else I can sue for. Right now, I am recovering and trying to find a job. With my current Credit History, I dont qualify with the type of job I can do at my age and with my health issues. The accounts in dispute are : XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, and XXXX. These accounts were opened around the same time ( XXXX ). I have tried to dispute this myself in XX/XX/XXXX, and I have paid for help from 2 other companies ; in XXXX and XXXXXX/XX/XXXX. Thank you in advance for any help you can give me.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (SC)

XXXX. XXXX XXXX XXXX, XXXX, {$1500.00} XXXX. XXXX XXXX XXXXXXXX, XXXX, {$1200.00}. 
XXXX. XXXX XXXX XXXX  XXXX, {$340.00} XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, {$9000.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Consumer complaint received 2019-08-29
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. (DC)

Experian and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (CA)

Tonight I called XXXX XXXX XXXX and attempted to pay off the remainder of my loan. 

I was told I can not pay it off for another 14 days till proof of my last payment ( posted XX/XX/XXXX ) shows in your system. 

I borrowed a total of {$2500.00} on XX/XX/2018 at an interest rate of 251.70 % To date, I have paid a total of {$3700.00} to XXXX XXXX XXXX for the borrowed amount. That is {$1100.00} in interest already paid. 

I was told tonight my payoff amount would be {$2100.00}, but I would be unable to make the payment till the end of the month per your system. 

That means another {$520.00} in interest will be charged before I can pay off my account. 

By that time, a total of {$4200.00} will have been paid. With the " payoff '' amount offered tonight, the total would be {$6300.00}. 

This is extremely insulting, unprofessional, and predatory. I just lost a huge part of my wages as my work has been greatly scaled back and I am in a very bad financial position. I was hoping to pay off the account early with some money I was able to save. Unfortunately XXXX XXXX XXXX is holding me hostage in order to collect two more payments of interest before I can pay off my loan. 

It is evident that the plan of action here all along is to string me along till the end of XXXX. 

It is extremely unfair to me. I have already paid XXXX XXXX XXXX {$1100.00} in interest since XXXX and I cant payoff the loan till more interest payments have been made.
Consumer complaint received 2018-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just received a new credit card from XXXX XXXX. They gave me a TransUnion credit score of XXXX. Now according to XXXX XXXX my TransUnion score is XXXX. Now that is a 92 point difference. I dont know which score is accurate. Please let me know..
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NV)

Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, XXXX and XXXX by XXXX, Nationstar and Mr Cooper.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

i have mailed XXXX XXXX XXXX Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.