davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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. (SC)

XX/XX/2021, {$100.00}, XXXX XXXX NC XXXX is reporting to Equifax inaccurate. Consumer law 15 U.S code 1692f Unfair practicies A debt collector MAY NOT use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a VIOLATION of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CHARGE OFF ACCOUNT SHOULD REPORT A BALANCE
Consumer complaint received 2019-08-27
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. (FL)

I strongly believe that you have violated the FCRA and the non-compliant with what you have reported. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2022-02-03
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. (IA)

Please look into these negative items on my credit report I have disputed these items more then 30 days ago and have not received any validation or any confirmation which is a fcra violation these companies have also been harassing me this matter is extremely frustrating
Consumer complaint received 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I paid off my loan on XX/XX/XXXX. As part of that I was entitled to a payoff statement, cancelled note, and escrow refund of {$4100.00}. I have not received any of those items, although I did receive an escrow disclosure statement confirming that I was entitled to the refund on XX/XX/XXXX. As of XX/XX/XXXX XXXX is refusing to reissue a check ( they provided me a tracking number indicating that it is " lost '' in the mail ). They have indicated they will not consider reissuing a check until it is lost in transit for more than 30 days. I don't believe this complies with the rules of timely refunding my escrow, considering they could easily cancel and reissue the check if it is in fact lost.
Consumer complaint received 2022-02-03
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. (NY)

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-12-09
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: HYUNDAI CAPITAL AMERICA (OH)

I purchased a new XXXX XXXX on XX/XX/2020 and setup the financing through Hyundai Finance. When I received my First statement from Hyundai Finance, I setup my XXXX XXXX  Auto bill pay to pay this bill on theXXXX. of each month ( payment Due on the XXXX ). The first payment ( XXXX ) was posted and the following month XXXX statement reflected the payment made. The next ( XXXX ) payment was sent on XX/XX/XXXX. The XXXX statement showed no payment made for XXXX, so I checked my checking account. XXXX XXXX  took the {$600.00} from my checking and sent the funds to Hyundai on the first of XXXX. I checked with my Bank and they verified that the fund were sent and received but not cashed. I asked my bank to cancel that check and reissue another check, they did, but it did not post. I called Hyundai and told them about the problem on their end and requested them to waved the {$30.00} late fee. Hyundai Finance said they would get back to me about the payment. The same thing happened in XXXX. On XX/XX/XXXX I checked if my check cleared and it did not. I contacted Hyundai Finance and paid the payments for XXXX, XXXX and XXXX on XX/XX/XXXX over the phone and setup with Hyundai Finance to debit my checking each month. Note the XXXX payment was made before the due date. I wrote two dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX. Hyundai reported to XXXX XXXX that I was three months late in XXXX and after my XXXX dispute letter HF revised the credit reporting to just one late payment in XXXX. Which prompted the next dispute letter on XX/XX/XXXX. I submitted the HF loan agreement that stated my first payment was due on XX/XX/XXXX. I have contacted HF and they refuse to remove the one late payment. The XXXX Branch manager informed me that their investigation in to this was that Hyundai Finance had changed their mailing address after the first payment was made and never notified us of the address change.
Consumer complaint received 2021-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2020-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WI)

I called Caliber Home Loans on XX/XX/XXXX about the payments that was made for the month of XX/XX/XXXX. I attempted to make my mortgage payment to Caliber Home loans on XX/XX/XXXX and on XX/XX/XXXX for XXXX 's payment. I've been with Caliber Home Loans for the last 5 years and make payments the same way each time. My payment accounts are saved in Caliber 's payment portal and when I login, I choose which account to draw the money from. Both times, Caliber kicked my payments out and charged me {$15.00} each time for making payments. The rep XXXX, Employee ID XXXX, stated the banking information is wrong in the system and insisted I double check the banking information. I explained to XXXX that the banking information in Caliber 's system hasn't changed since I've been with Caliber and requested him look into this. After 30 mins on hold, he stated there is nothing he can do for me and the fees will be charged because the banking information is wrong. Caliber Home Loans is wrong in lying about my banking information being wrong and charging me those fees.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

sequium asset solutions Did not send out a letter in the mail During the 1st communication about the debt This violates the FDCPA Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. ... The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter
Consumer complaint received 2020-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 XXXX XXXX - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-07-08
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: TD BANK US HOLDING COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-01-30
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: CITIBANK, N.A. (VA)

On XX/XX/XXXX at XXXX, I called Citi DoubleCash customer service at XXXX to dispute a charge of {$60.00} from a merchant, " XXXX XXXX '', dated XX/XX/XXXX. ( I disputed the charge because I had cancelled my membership with XXXX XXXX ( according to their cancellation rules ) on XX/XX/XXXX, but they still billed me even though I received no products or services from them. When I called XXXX XXXX on XX/XX/XXXX, " XXXX '' told me they would issue a {$60.00} credit back to my DoubleCash MasterCard within 3-5 business days. ) I was connected to a Citi DoubleCash person named XXXX with a very thick ( XXXX? ) accent who I could barely understand. He asked me the same questions repeatedly, such as, " What was the date of the charge '', " What was the amount of the charge '', the name of the merchant, the last 4 numbers of the credit card, my address, etc. He also repeatedly put me on hold to find information. After about 22 minutes, he told me he could not dispute the charge. I then asked to speak to a supervisor. I then spoke to XXXX, a customer service supervisor who also kept putting me on hold to talk to the Disputes Dept. I asked him why he did not transfer me to the Disputes Dept. He could not answer, but transferred me to XXXX in Disputes, who said she would issue a permanent {$60.00} credit within two business days. I thus spent 44 minutes to resolve my dispute, even though I stressed that I needed to get up very early the next morning, and when I should have immediately been transferred to the Disputes Dept. at the start of the conversation.
Consumer complaint received 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

The summary judgment acquired by the bank must be set aside as a matter of law. sps contends that we do not have any merit to ur complaint. Unless you can't read english or incompetent, or have an IQ laser then 1 % then you would agree with sps. see attached motion. The judgment contains an increase on the loan amount. Taxes were not paid pursuant to XXXX stat. XXXX ( XXXX ), XXXX ( XXXX ) ( b ) on the loan increase rendering the judgment a void. sps never had any enforcement. The court does not have jurisdiction over the matter. See attached motion and take the necessary action. sps must be sanction.
Consumer complaint received 2022-06-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOLEDO FINANCE CORPORATION (TX)

Toledo new I was going through a financial issue. The manager XXXX somehow got my brother 's contact information and contacted him and told him she was going to the judge to take paperwork due to missing payments. Then my brother contacted my dad, whom then contacted XXXX. XXXX then told my father also that I was behind on my loan and she was going to take paperwork to judge..my dad paid a payment for me so she wouldn't go to judge. Neither of them are on my paperwork and if I'm not mistaken noone is to disclose any information with others except to inform them that they have a personal business matter ... my father is stressed out as it is and his health is my main concern. Now thanks to toledo finance in XXXX tx my dad is stressing over a situation that he shouldn't.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing today in regards to my account with Capital One Account # XXXX I noticed on my report that this account has late pays in XX/XX/XXXX and XX/XX/XXXX. During that time I was impacted by Covid and was unable to make that payment and was unaware that any balance was due as soon as I was able to I got this account paid up.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( XXXX ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( LVNV FUNDING LLC XXXX )
Consumer complaint received 2020-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing today due to my enormous frustration with capital one. I feel like I am starting to exhaust every avenue available to me. 

Im writing because I noticed that my most recent credit report contains late payments reporting ( 60 days late in XXXX and XX/XX/XXXX ) for my Capital One Auto Finance account number. These late payments occurred as I traded my XXXX XXXX XXXX ( financed through capital one ) for a XXXX XXXX XXXX. My XXXX was in the hands of my local XXXX dealership in XX/XX/XXXX. I have also sent a letter from the financial manager from the dealership to capital one, explaining that they were responsible for paying the full amount upon trade in XX/XX/XXXX. I have been a member of Capital One since XXXX and have had an exceptional payment history since. I have never occurred a late payment with Capital One and will continue to do so. 

Id have an excellent repayment record if it wasnt for the late payments placed on my credit report by capital one in XXXX and XX/XX/XXXX. I make my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. I have reached out to capital one, attempting to dispute these late payments but every time I call, I am constantly being forwarded to a new representative on the phone who just tell me to learn from my mistake and deal with it. I am a XXXX  working on the frontlines and I have never been treated so poorly from a company that I had nothing but respect for.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-07-08
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-05-23
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. (TX)

In accordance with Fair Credit Report Act, XXXX  Financial account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.
Consumer complaint received 2022-02-03
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. (GA)

Transunion is violating my rights under the Fair Credit Report Act. Transunion has Family Trust Federal Credit Union three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate information.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (MO)

Ok I got a XXXX XXXX XXXX from money lion XXXX XXXX XXXX XXXX  and for the first few months it went great but then they had a glitch in there system that made it impossible to transfer money into my money lion checking acount I called and they informed me that they knew about it and would be resolved within a few days they took payment out of my buisness acount for that month and then the following month they still had not repaired the transfers into checking accounts preventing me from transferring the money into the proper acount well this kept going on month after month until I finally just told them to take the money out of my investment acount to pay the loan back and in all this time they were still charging me a membership fee that I told them I would not pay if I couldnt use the perks of the membership then they reported that to my credit report and reporting that my payment was XXXX dollars when it reall was not it was XXXX dollars a month for XXXX  months and I was making more then that payment every month usually twice the loan payment because I was trying to build my credit in the end I have got it taking care of but now they tell me it my responsible to have it removed from my credit report and i disputed it with XXXX  and they found it to. Be a valid claim even though if you actuall look at my filebuoubcan clearly see what in saying is fact
Consumer complaint received 2020-01-30
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: Synovus Bank (CA)

I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XXXX XXXX to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XXXX XXXX and on XXXX XXXX to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!
Consumer complaint received 2020-01-30
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. (NY)

XXXX XXXX XXXX XXXX  XXXX ( XXXX ) reported this month to Transunion that my account balance increased by {$3700.00}. 

THIS ACCOUNT IS CLOSED. THERE'S NO AVAILABLE LINE OF CREDIT LEFT FOR MY BALANCE TO HAVE INCREASED. UNLESS XXXX  ILLEGALLY ADDED A BALANCE TO MY ACCOUNT!