davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is a Bankruptcy that is not mine nor have XXXX  nor Transunion properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both XXXX  and Transunion asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only XXXX  and Transunion Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.
Consumer complaint received 2019-07-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

PennyMac purchased my loan from XXXX in early 2019. PennyMac failed to pay my home insurance by the due date despite the fact that it collects escrow each month to cover the expense. My policy has now lapsed due to PennyMac 's negligence.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Dear Sir or Madame, Firs time i reported my identity theft was long ago. Responsible for this is XXXX XXXX I was using android platform in iOS iPhones platform and when i called to complain and report the issue an employee completly ignored my complaint, while i was in the phone with him I contacted XXXX XXXX XXXX so i would have third party witness. My Capitol one card was stolen and used I allowed XXXX XXXX support to access my mac/iphone screen even they were shocked what they heard from XXXX XXXX employee say and what they saw in my screen what was going on. Basically an emplyee was asking directly to transfer all my data to him or someoneelse not sure. But I give XXXX a complete permition to provide you guys with all information you guys need, and since of course they record phone calls i gave the lady from apple permision to provide that too. She couldnt belive what was going on i was very lucky to have XXXX assist. I contacted XXXX  they sent me a free phone trying to hush-it and I saved everything. I wrote the corporate twice in the mailing address and never heard back. I have enough proves. I am begging someone for help I am immigrant in this country been persecuted and I work so hard to better my life and all on my own. You can even XXXX my name and read my story how I got here. XXXX XXXX they have crashed my credit report.never been through any thing like this. I am giving you gays completeperition to have all my devices and anythin you guys need to help me with this. XXXX XXXX
Consumer complaint received 2019-07-22
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 — Investigation took more than 30 days
Company: SUNRISE CREDIT SERVICES, INC (IL)

I sent a letter to Sunrise Credit on XX/XX/XXXX they did not respond to my written request. I mailed and faxed a copy and received confirmation of receipt. They then reported the account on my credit. This account was already disputed and found unvalidated through another two agency who are selling it.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

The credit bureaus refused to provide their MOV ( Method of Verification ) for the Bankruptcy listed on your credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I have enclosed the date the letter was received and the 15 days has been violated ; thus, the information has to be deleted. 
Further, the 3rd Party company XXXX advised me they deleted the bankruptcy ( copy of XXXX attached showing no bankruptcy ) from their records and I contacted the court - they did not provide Experian with any information ( letter attached ).
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I got a report for a job of my background screening results, and it shows that XXXX has me reported for collections for settled-less than full balance. It is not being reported under my bankruptcy chapter XXXX that was filed XX/XX/XXXX and Discharged on XX/XX/XXXX. Bankruptcy case # XXXX. THIS ACCOUNT WAS INDEED INCLUDED IN MY BANKRUPTCY. I need this resolved in a timely manner because i am submitting a reconsideration employment letter to the company that has denied for employment because of this mistake. Thank you. XXXX XXXX IS USING TRANSUNION, so would like to get it removed from transunion and the other credit agencies if being reported as well.
Consumer complaint received 2019-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

It seems that the account keeps reporting on my credit I have asked numerous times for the credit bureaus to verify this debt in accordance FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 

The credit or credit reporting agency is unable to provide this information so I am not certain why this account with out account history keeps reporting. 

XXXX XXXX This account has no address, no phone number how did they verify this debt?
Consumer complaint received 2019-07-21
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: Experian Information Solutions Inc. (CA)

I reached out to the credit bureaus multiple times to provide me with the proper documentation to verify that the XXXX XXXX  XXXX account # XXXX opened XX/XX/2014 is in fact mine. The credit bureaus were unable to provide any verification that this account is mine. 

Also I'm not sure how XXXX XXXX XXXX Account # XXXX opened XX/XX/2014 is reporting that I owe {$31000.00} on this vehicle. How is this XXXX XXXX have this value after 5 years? Is this car plated in gold that I did not know about. 

Neither one of these account have also been verified by FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) so not sure how they are on my credit report.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

My XXXX card was cancelled ( all cards with Comenity were cancelled ) and I paid off the balance due in XXXX of XXXX. I have NEVER been late with this company or any other in the last 5 years. I had always received e statements on this account. Apparently they added a minimum interest charge of XXXX to the account creating a balance due. I did not receive any statements or any other contact after that time until the second week of XXXX. I received a collection call telling me that I had a past due balance. the total amount is as follows : 1. Balance due XXXX Not shown online 2. Late charges XXXX x 2 XXXX 3. Minimum interest charge XXXX x 2 XXXX Total amount due XXXX Paid in full XX/XX/XXXX I talked on the phone with a representative and although I felt ripped off I paid the balance so as not to wreck my credit score. I asked if because this was a one off event if they would defer to record it to the credit bureaus. The representative was not helpful. The net result is that it dropped my credit score by 51 points. I would advise anyone to avoid Comenity at all cost, they are extremely dishonest and a complete rip off.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
Consumer complaint received 2023-04-01
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: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2022-10-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (CA)

In XX/XX/2022, I started working with XXXX XXXX. I was applying for a VA mortgage through Homebridge. After several requests, we finally received our pre-approval letter in XXXX. We chucked this up to just human error. After we received preapproval, we discussed rates and he recommended I locked my rate and pay {$3900.00} to lock rate. I was ok with this since we planned on closing with Homebridge. After paying for the locked rate, I started receiving loan estimates that were grossly inaccurate. After the second or third time, I asked XXXX about the incorrect values on my loan estimates as it was making it extremely difficult for us to compare to other lenders. XXXX only addressed part of the issue, and their remained a {$100000.00} error on our loan estimate. Because we received late preapproval, and because it had been several months, and such a huge error on loan estimates, and because our builder was stressing at us to finalize paperwork, we had to leave Homebridge and go to another lender. It wasnt until we told XXXX that we were leaving, that they finally decided to go through loan estimates and make corrections. The coordinator corrected the loan estimate, but XXXX remained hands off and refused to look or answer my questions regarding where the additional funds in down payment was coming from. XXXX, instead, kept threatening us with the money we put down for our locked rate. Telling us we were going forfeit our rate even if we left due to their lack of concern with processing correct paperwork and poor customer service. We had worked with XXXX for months, but could no longer as we felt we would have issues with closings and because our builder was pressuring us to finalize lender documents. XXXX XXXX put us in a very bad position and has now refused to refund our locked rate payment and will not respect our request to withdraw our application. We have asked several times. He stated that he spoke with his VP, XXXX XXXX, regarding the concerns we had about XXXX and his ability to successfully get us through closing, but there was still no concern from Homebridge. We were not offered the opportunity to work with a new broker, or anything. Therefore, we request to change lenders without penalty.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NC)

Radius Global Solutions has reported an account or XXXX XXXX  in the amount of {$870.00} on my credit report. This is false information this is not an amount that I owe. My final bill with XXXX was {$78.00} which was paid! I also returned all of their equipment. XXXX has asked me to ask Radius to sent the account back to them so that they can adjust the amount and Radius has refused to do so. This is very unethical and wrong. I need this corrected,
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OR)

I filed a very valid dispute with Care Credit over a bogus charge a very unscrupulous dentist has attempted to stick me with an illegitimate bill. Had I not sought a 2nd opinion by an Ethical Dentist, I would have endured : 1 an unnecessary tooth extraction 2 several unnecessary fillings 3 a crown replacement by way of bridge which means more $ $ $ . This totals well over 10k, again all fabricated diagnoses. 

This same dentist wants me to pay for his in office dental plan after he cancelled me >just as soon as I requested my X-rays< that I wanted to share with another dentist. He canceled me ten days after purchasing his plan, and Care Credit continues to say I owe the bill. 

I must close this account down and file a lawsuit against synchrony bank because in my second report I made references to my recent negative experiences with THREE XXXX  trying to show all Ive recently endured with horrible unethical dentists, then found out soon after submitting that letter, Synchrony Bank is based out of Utah, home of XXXX & the XXXX XXXX. I do believe Im being discriminated against, and theorizing is all I can do since they refuse to explain why theyre siding with a thieving, lying doctor. 

They purposely disconnect calls to discourage you from calling. They lock you out of your account but then exclusively send all related documents to that account. They REFUSE to call or even email directly. They make it impossible to file a dispute, at least in my experience.
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (NY)

While checking my personal credit report, I noticed inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) and lastly XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act XXXX XXXX XXXX  c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If they can not provide me with proof that I authorized them to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from their records. Failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of these companies ' willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2019-07-21
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: Experian Information Solutions Inc. (IL)

I recently filed a complaint with the CFPB, # XXXX in which was closed by Experian after " investigating '' .. Apparently this company has PLENTY of funds to pay towards FCRA violations, penalties and fees because their willful noncompliance and complete disregard for the law shows just that. Maybe I should have included in my previous complaint that I am a XXXX XXXX XXXX XXXX so I'm well aware of my rights and I'm only filing a CFPB report for legal purposes and documentation only, not because I enjoy communicating in which Experian on my free time. 

As you stated in your response to complaint XXXX, you are not required to delete or remove accurate accounts from consumer reports nor keep documents HOWEVER you are REQUIRED to make sure that information YOU receive is being reported accurately by YOUR company. Your company has failed to protect and disregard my consumer rights. For example, according to reports # XXXX, created XX/XX/19 and # XXXX, created XX/XX/19 by your company, you are alleging that you've verified information with XXXX XXXX XXXX XXXX, a charged off account with a recent balance. As we BOTH should know, charged off account reflecting balances OTHER than {$0.00} is inaccurate reporting and must be deleted immediately. I've disputed the accuracy of multiple other items on multiple occasions in which it then becomes your FULL responsibility to investigate them under the law. I will not be attaching any documents for your review, but i will be more than prepared to tender any and all documents I have at court for attorney 's review, shall this matter no be resolved Immediately. I see over {$7000.00} in violations and I'm sure with the help of a professional attorney we could find a lot more. I do hope that you take this much more seriously than you did # XXXX.
Consumer complaint received 2022-10-06
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 (MO)

Re : Barclay 's XXXX XXXXXXXX XX/XX/2022 I purchased a week of XXXX XXXX XXXX for my son for {$95.00}. 
XX/XX/2022 Per XXXX  policy, I sent notice of cancelation within guidelines. 
XX/XX/2022 XXXX stated they would refund. 
Refund not on account. I called Barclay 's to dispute. They removed the charge to research. 
XX/XX/2022 2 charges of {$95.00} for a total of {$190.00} from XXXX XXXX were billed back to my account. XXXX said they don't have any re-bills. Barclay 's won't remove charges that are now double. I have XXXX conversation in writing. Barclay 's claims they do not have email to forward conversation. No one is stepping up to fix and now I am at risk of credit score dropping if I don't pay a double charge that should have been refunded 6 months ago. I have called Barclay 's multiple times and they run around in circles. Help!
Consumer complaint received 2019-07-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (DC)

Debt has been collected on a bill from Washington XXXX XXXX in Washington DC. The hospital submitted a collection notice prior to payment by XXXX XXXX XXXX XXXX. This has caused significant damage to my credit report. I need this corrected ASAP. I thought reporting medical information to the credit agency is against XXXX law. Can you help? Thank you.
Consumer complaint received 2024-02-27
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. (IL)

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Consumer complaint received 2019-07-21
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: DFC Global Corp. (FL)

To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 

I thank you in advance for your cooperation and hope to hear from you soon.