davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-10-16
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. (GA)

I have disputed the late payments on XXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix  this ASAP please Im looking to purchase a car for XXXX
Consumer complaint received 2022-06-12
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Consumer complaint received 2018-10-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

When we had a closing dated last XX/XX/2018, i have knowledge that my taxes from XX/XX/XXXX to XX/XX/XXXX ( last quarter of the year ) was paid and included in the closing cost. But i received noticed and billed from XXXX City Treasurer that {$570.00} taxes was due on XX/XX/2018. I immediately called Rocket Mortgage to asked what is going on and contacted escrow company ( XXXX XXXX ) why it was not paid yet but i have not received any respond. I paid my taxes 3 days before i got the penalty. But now, Rocket mortgage still not doing anything to deduct taxes from my monthly mortgage and they still included the escrow amount on my Principal and interest.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}, XXXX XXXX Balance : {$6600.00} , XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all XXXX XXXX accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All XXXX XXXX accounts should be removed from my Credit File.
Consumer complaint received 2019-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MEMBER MORTGAGE SERVICES (TX)

Member Mortgage Services serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX of XXXX. The mortgage loan has been recorded in the XXXX System with the mortgage identification number of XXXX. 
Since we did not have any legal business relation with this bank I need to know the following information : 1. Was Member Mortgage Services licensed as a mortgage loan servicer in Texas in XXXX? 
2. Who was the borrower of the fraudulent mortgage loan?

3. When was the mortgage note executed?

4. When was the mortgage loan account opened and when was it closed?

5. Who is the lender of the fraudulent mortgage loan?

6. Has there been a deed of trust executed in XXXX County or anywhere else for this mortgage loan? 
7. What was the loan amount of this fraudulent mortgage loan? 
8. What type of mortgage loan was it ( FHA, VA, Conventional etc? ) https : //www.membermortgage.com XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MI XXXX Since this was a fraudulent loan and was issued against our property, I believe we have the right to know all these information with evidences for any claim against the fraudulent lender for this loan.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have attempted to contact this company and express that I was the victim of identity fraud. I sent over documentation of a police report and asked that this account is removed due to fraudulent activity. They havent done anything to reconcile this matter. As a result, my credit have been severely damaged.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I took out a personal loan with XXXX XXXX on XX/XX/19. I paid the loan off on XX/XX/19. XXXX XXXX and Experian both have that I still owe $XXXX. I contacted XXXX XXXX and they told me that they reported it paid off on XX/XX/19. It was last updated on my report on XX/XX/2019.  I spoke to a rep at XXXX XXXX and they said that the amount they have is correct.  They attachment shows it is not correct and neither credit bureau have updated the account since XX/XX/2019.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TN)

i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately
Consumer complaint received 2019-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

To Whom It May Concern,I read about the lawsuit against Navient filed by CFPD and came across your contact information (Case XXXX). I understand myself to be one of the victims; illegally cheated out of repayment rights for a long time.I spent many hours on the phone with Navient customer service many years ago requesting to apply any over payments to my unsubsidized loan. They told me repeatedly that I was not allowed to do that, and any over-payment would be split between the two loans. I was upset but I went along with it, assuming what they were doing was legal.Last year, I started taking classes again, and as a result my mandatory payments stopped and loans went into deferment. I logged on to make manual payments to my loans, and to my surprise they now had the option to pick which loan to make the over-payment to. So of course I picked the unsubsidized loan, and have paid about $1000 to the unsubsidized loan since. I have made all over payments to the unsubsidized loan since I started going back to school.I logged on today and noticed that even though I picked unsubsidized as my voluntary over-payment, they split my over-payment between the subsidized and unsubsidized loans!Please help me get justice on this.Sincerely,XXXX
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/2019 I signed an extension agreement to skip XX/XX/XXXX payment. They sent the email with the agreement to skip the payment, i immediately signed the agreement and sent it back via XXXX XXXX. Kia emailed me back with confirmation that the document signed and filed. I have the email to confirm. They said we will resubmit the approval. I said I have proof that it was signed. My account is now 22 days late as the collections department contacted me on XX/XX/19 stating I was behind. I have an agreement with them and they do not want to honor the agreement.
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TN)

I never receive any notification from this company that I owe a debt. I receive a copy of my XXXX report and this company was listed as a debt collector. I never receive a letter or no notification of this debt and has no knowledge that I owe XXXX. I am still a customer of XXXX for over 10 years  and when I contact the company they have no knowledge of this collection agency try to collect a balance I do not owe.  This collection agency is not license to collect in the state of Tennessee.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

My account was paid in full for {$30.00} on XX/XX/2023. On XX/XX/2023 the company levied a {$2.00} fee against me. This is all documented on the statement. I called the company to get them to remove it and they wouldn't so I immediately closed the account so they could not levy anymore fees. I then filed a dispute with all 3 credit bureaus. They are stating to the credit bureaus that the fee is legitimate. I don't see how that can be since it was charged to me AFTER the statement was paid in full. This seems ridiculous that I have to fight a company for {$2.00} but now it's the point of the matter. I had an account with them about 10 years ago and wound up shutting it down for the same type of shoddy service. I thought I would give them another chance when they approached me last year. No, their service is still unacceptable and that's why I paid the account off. I didn't plan to close the account however I knew they would probably try to serve me with more fees when I didn't pay this ridiculous {$2.00}. It will cost them more to take me to collections for the unlawful charge but I am refusing to pay this on principal now since they would not cooperate on the phone and are claiming to the bureaus it's a fair charge.
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc. (TN)

I have contacted company and requested written proof of debt and personal liability which to date has not been provided. XXXX found the charges unrelated to service provided and denied claims. I dispute the accuracy and legitimacy of these charges. Further more this third party debt purchaser is reporting medical information in violation of HIPAA laws.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two credit card accounts that are open and current with XXXX XXXX XXXX.

On one of the cards, I am the primary account holder. On the other, I am the authorized user.

Neither of these two credit card accounts are being reported to the 4 major credit bureaus as open and current. They are both are missing from my credit reports. 

I have contacted XXXX, XXXX, XXXX, and XXXX and none of them have admitted the problem or attempted to fix it. 

This is severely hurting my credit score, because these accounts are both open a long time, and our in good standing. 

I have also contacted XXXX XXXX XXXX, to have them fix it, but alas, nothing has been accomplished.
Consumer complaint received 2023-01-04
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

When I try to call and make a 'principal only ' payment they leave me on hold for hours and come back and say they can't guarantee my payment will all go to principal! When I'm completely up to date and always have been? They won't let me pay down this loan or are making it almost impossible!
Consumer complaint received 2019-09-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (FL)

im make this complaint becomes again this company keep lying about my payments extra charges made up and no explanation of where is the money they claimed I owed them on XX/XX/XXXX I got a loan modification and XXXX XXXX XXXX put more than $100,000 into my loan a house was worth $XXXX So my new balance was $XXXX  the second loan they put on I was no to pay any late fee or any extra charge but right after XXXX XXXX XXXX did try but they could do it so they got this company shellpoint Mortgage servicing to do it same tactics lying and sending same paper to say the are helping me or they tried to answer my complaint before I got this loan modification my wife did bankruptcy even that I proven that my wife was not in the loan they keep bringing the same argument I m supposed to be in my loan modification but they try to say im not so they charge again or change me again higher my principal balance again they sent me statements from before XX/XX/XXXX when everything was supposed to started again why they do not answer me with what is the mount I owed them after XX/XX/XXXX I send them the prove rhat my wife was not in the loan but they keep bringing a paper a fraudulent paper whiten with a pensil some one added with his wife why all the paper from XX/XX/XXXX when I got my loan doesn't mention my wife at all I sent you that prove too because she was never in the loan you are making this lie to break my all loan modification I did ask for a new modification why you want to put me into another one
Consumer complaint received 2021-04-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have asked in written form numerous of times for the credit bureau to investigate and provide method of verification to me regarding the inaccurate errors on my credit report. To this date that have not but yet these errors still remain on my credit report. The law states that must verify this incorrect information and provide me with their method of verification, they have not done so, so by law they have to remove the errors.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

In XX/XX/2018 I disputed an account with all three credit bureaus XXXX, XXXX, XXXX, All three credit bureaus stated the account was verified and accurate. The account is XXXX XXXX # XXXX. well I contacted the original creditor and they stated the account was sold to XXXX XXXX. well I sent a certified letter to XXXX XXXX to the address listed on my credit report. the letter was sent on XX/XX/2018 they received the letter on XX/XX/2018. the new owner of the account had 30 days to respond to the debt validation letter. well today is XX/XX/2018 and XXXX XXXX has yet to respond to my debt validation letter they have violated my rights under the FCRA and under the FDCPA by not responding to the certified letter. I will be getting a attorney this company don't cease and desist this account effort and stop reporting the negative information to the 3 credit bureau or I will be filing a suit for the violation. XXXX XXXX had 30 days to respond to my debt validation letter and they refused and failed to respond to my letter within 30 days.. I have attached a copy of the letter and a copy of the certified letter.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

In brief, I received a settlement check for the damages on my car from XXXX   XXXX   XXXX on Thursday XX/XX/XXXX, as I went to mobile deposit the check, ( since I live in XXXX  and the closest Bank of Wells Fargo is a 4 hour drive ) I noticed for some strange reason the maxim amount to deposit a check was {$2500.00} a day, Since my check was over that amount, I contacted Wells Fargo, I was informed they had no idea why it was set at {$250000.00}. I was given the option to Overnight the check to express deposit and was given the address in XXXX  Or. which was confirmed by an employee from Wells Fargo, it was the correct address.. I went to the Post Office overnight my endorsed check along with a deposit slip, to deposit the check into my account. I did receive confirmation that Wells Fargo did receive my check the next day Friday XX/XX/XXXX at XXXX XXXX.since then, I have been given the run around, spoke and explained my situation to several employees of Wells Fargo, with no success, as to why they have not deposited the check into my account. I have claim numbers, and the names of several employees I have spoken too. This is very frustrating and the important fact that I need the money to purchase another car. In closing I was told that when the check is over nighted to this facility, the check would be deposited the same day and the money will be available, why this has not taken place, or where the check is at Wells Fargo. I am looking for the money to be credited to my account.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear [ TransUnion ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections and bankruptcies within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2019-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

On XX/XX/2019,  I called my HELOC loan servicer, Rushmore loan Management Services, to request that they no longer withdraw this amount of additional principal that I had requested several months before. I requested Rushmore stop withdrawing $XXXX additional principal. I instructed them to only withdraw an additional principal of $XXXX. Their customer representative informed me in XX/XX/XXXX that it was too late to make the change before the XX/XX/XXXX payment was due,  but the change would take effect in XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore withdrew $XXXX more than I had authorized.  I disputed the additional principal with my bank which upheld the dispute. On XX/XX/19, I received a  letter from Rushmore threatening to put me a "certified funds only" if it happens again.