davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (IL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}
Consumer complaint received 2022-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

This has been actively ongoing for several years. I am XXXX of the homeowners that the Government sued Flagstar about. Flagstar continued with the fraudulent practices. I am trying to settle with my lender and start a new clean slate. Only I do not understand some of their terminology. I cant get any one person to kindly let me understand just what they wish me to sign. We have discrepancies on numbers and are we then finally rescinded from our bankruptcy? Contracts were sent with 10 days to sign and I can not get any answers from my mortgage company. I do not have a lawyer retained. My bankruptcy lawyer is trying to retire. I have asked Flagstar for clarification with many of the statements in this contract they give me ten days to sign. The XXXX payments Flagstar refer to have not been explained. I do not owe XXXX XXXX payments to my mortgage company. Does this contract eliminate my current bankruptcy? Flagstar said they could and would rescind the bankruptcy I filed to prevent a foreclosure I was never even close to being in. Flagstar has this merry-go-round ( as the Federal suit described it ) fraudulent mortgage practices, suspense accounts, misapplied payments and several other factors I just can not get even their task force to review my loan in its entirety. I have filed Loss Mitigation packets as directed by Flagstar in which have never been reviewed. Its Flagstar practice that a homeowner not pay their monthly mortgage while under review... only it never did get reviewed. For nine months my loan came up under review. I received a letter saying I had ten days to pay back those payments. Most people would have been led into foreclosure at that point. I did pay up and was still filed foreclosure on. I simply want my loan reviewed.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: Certegy Holdings, LLC (UT)

I purchased a money order in the amount of XXXX at a XXXX XXXX XXXX in XXXX XXXX Utah on the XXXX of XXXX needing to make my rental payment in this amount by the XXXX with the holidays they were closed until today being the XXXX to avoid late fees I loaded my prepaid card and paid the balance there at the same time I loaded my card being the XXXX of XXXX once I seen the transaction using my card went through asked if I could cash out the money order they stated I had to wait XXXX hours from time of purchase today the XXXX being well past the time needed went to cash the money order I purchased at the same location with receipt in hand of the money order purchase was told it was declined based off certagy when calling the number said all decisions are final I'll be damned if I paid XXXX dollars have the receipt in hand and can't get my money back I didn't write on the check other then what I was told by the store clerk this evening it was not altered in anyway and I have all needed proof of purchase. Why did it get declined? It's never stated anywhere this is a possibility
Consumer complaint received 2022-07-07
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. (NY)

This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

This goes all the way back to last XX/XX/XXXX when someone ( who's been arrested XXXX ) made some unauthorized charges on 2 of my 3 Capital One credit cards.

I have a credit score of XXXX. Never late, never over limit for decades. Then this problem. 
You think it will never happen to you. 
It has been resolved for the 2 business cards, but my personal MC is still a mess. 
I have gotten conflicting stories from CO by letter and by chat. I have asked to re-open the MC account XXXX XXXX XXXX XXXX. I have {$110.00} of cash rewards there. I already lost all my miles on the biz cards. Too bad, eh? 
I suggested that the cash back be applied to the {$1500.00} or so balance. Next thing I know I get dinged {$25.00} for a late fee on a minimum payment of {$25.00}. XXXX!!! 
Capital One has been inconsistent and very slow to deal with this. It has been impossible to get a straight answer or even a consistent status report. 
And now they hit me with a late fee when they have my cash rewards in their account. 
I'm going to suggest they re-open the account or write it off. 
I am sick of this one-way relationship. Against MY policies!!! 
OR - make me a payoff offer that reflects the inconvenience you have caused.
Consumer complaint received 2023-06-28
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 (CA)

I have 2 fraudulent inquiries on my credit report, that I reported it to Capital One Bank, yet Capital One Bank is not removing this fraudulent inquiry. The followings are the fraudulent inquiries : CAPITAL ONE BANK USA XXXX XX/XX/XXXX and CAPITAL ONE BANK USA / XX/XX/XXXX.
Consumer complaint received 2022-07-07
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. (IA)

I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-03-22
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. (AR)

On XX/XX/2022, I received a letter from XXXX indicating they removed a public record of bankruptcy from my consumer credit report. 

On XX/XX/2022 I requested that Experian remove the record of bankruptcy from my consumer report as well, according to 15 USC 1681 ( a ) ( 1 ) ( B ), 15USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( k ) 1. No permissible purpose 2. No proof of who requested the public information 3. No employment purpose On XX/XX/2022, Experian responded that the company that reported the information has certified Experian that the information is accurate. Experian did not reveal who verified the information or how the information was verified. Experian is also reporting public information that is not based on employment purposes and never notified the consumer of the fact that public record information was being reported. The name and address of the person of who the information is reported to has not provided either.
Consumer complaint received 2019-06-24
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. (OH)

THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

We started to Refinance our rental home in XX/XX/XXXX after receiving a letter in the mail with the amount they can save us on payments. 
We are still in this process and we are constantly sending information over to the underwriters. Every couple months we are resending bank statements, P & L from all of our businesses. In XX/XX/XXXX we have a new loan processor and she requested items that we had already sent but we sent again. In XXXX they requested our XXXX XXXX 's. We sent them our tax forms that we file to the IRS and are completed by a certified accountant. My husbands computer crashed and now they want to request a copy of the W2 's from the IRS. So we signed the papers in XX/XX/XXXX for them to get copies of the W2s. After sending more bank statements and P & L statements for our multiple companies and all bank account information again in XXXX. Now they have assigned the house to be appraised again ( we had this completed in XX/XX/XXXX ) On XX/XX/XXXX we and to send all of XXXX statements again and then they had to run our credit again on XX/XX/XXXX. Of course by now my husband had to purchase a new bus for his business and we have to submit all of this paperwork. Then on XX/XX/XXXX they want all current pay stubs and information on a previous employer for my husband. XXXX XX/XX/XXXX they also wanted a release to check our credit report ( they already did this we get the notices ) so we sign this after the fact! On XX/XX/XXXX they needed more information and we did not respond because our son was getting married. My husband did send them the information on XX/XX/XXXX and then on XX/XX/XXXX requested the same information. And today they requested more bank statements and P & L for our businesses and for us to sign another form to request more W2 's from our taxes in XXXX and XXXX 's again. I believe this has all been a stall tactic because they hold our loan at a higher rate and we received the letter to receive part of the refinancing at no charge. Now to switch to another lender we will not be locked in at this low rate. This company is a joke.
Consumer complaint received 2019-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (DC)

In XXXX XXXX offerred to let me finance my new insulin pump purchase handled by Monterrey Financial. When looking at the Monterrey Financials ' website today, I did a quick check to make sure that the organization was charging me the correct amount. In order to obtain this information, I logged into the company 's website. The website shows my name and account number, and then has an option to look at the payment history. 

In the screenshot attached, Monterrey shows that as of XX/XX/19 I owed the company {$980.00}. It also details all of the account transactions since that date. Since then, I have made XXXX dollars in principal payments which is XXXX above the account balance. Today I called to inquire about this issue. When I spoke to their customer service, they told me that I still in fact owed an additional {$110.00}. 

As a consumer with a background in monitoring financial transactions, I fail to understand how Monterrey can be allowed to charge me more than the amount explicitly shown on their website.
Consumer complaint received 2022-07-07
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. (CA)

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information I sent in a dispute to Experian for solano county child support account # 7617 because after pulling my credit report I instantly recognized incorrect information. For over Three years Experian stated they VERIFIED the Information belongs to me and if I have additional questions about this item to contact XXXX XXXX XXXX XXXX '' ( XXXX ) XXXX.FIRST Violation. the number they're reporting is incorrect no answer. the phone number has been disconnected. SECOND VIOLATION. I drove to the address that's being reported on my credit file XXXX XXXX XXXX. XXXX XXXX, CA XXXX BUSINESS CLOSED moved to another location. THIRD VIOLATION. Date opened is incorrect XX/XX/2015 is not the correct date. FOURTH VIOLATION. Balance owed is not $ XXXXFIFTH VIOLATION Date of last activity is also incorrect XXXXSIXTH VIOLATION.. Last payment is also incorrect you're reporting a payment date of XXXXAfter doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct address and phone number as well as correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. Experian has violated multiple laws when it comes to an account on my credit report.
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation (VA)

I had XXXXXXXX XXXX XXXX XXXX  and paid in full up front. After the insurance paid there part i was issued a refund for over payment. The beginning of this year i XXXX XXXX XXXXXXXX from the same doctors. I again paid up front and was issued a refund for overpayment. On XXXX of this year a collection was placed on my credit report from XXXX, by a collection agency. When i first called the agency they refused to give me any other information other then the original debtor and price, as well as a collection fee being added. They could not verify the debt and said they mailed letters to old addresses that i have not lived at for over 20 years, not the address provided at time of XXXX. When i called the doctors office that did the XXXX they said they merged with XXXX XXXX  and had no recordsof me owing anything or any records of any debt being turned over to debt collection.Suburban credit corp id the debt Collector and XXXX XXXX XXXX is the doctor who XXXX  XXXX.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is another complaint to Shellpoint 's response to complaint XXXX. Shellpoint has stated no new backup has been sent- they already have all the backup that they are not researching for proof of payment. XXXX XXXX XXXX  has sent Shellpoint the {$52000.00} that was credited in error. Shellpoint has known for years the listed missing XXXX to XX/XX/XXXX were applied in error to the XXXX - XXXX payments that were credited in error. Shellpoint can not apply the XXXX - XXXX payments to the XXXX XXXX. 
Shellpoint won't accept the escrow payments sent, but the foreclosure papers state insurance and taxes must be paid if the property is in foreclosure. They also did not say they were processing the submitted loan modification application. 
Thank you
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have sent equifax several notifications on unfamilair inquiries on my report, along with my FTC report reflecting such. They chose to delete XXXX leaving the other unauthorized inquiries on my report and failing to notify me of any verification of such. 
under 15 us c 1681 et section 604 of the credit reporting act, you must provide verifiable evidence or delete. 
These remain on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inc
Consumer complaint received 2019-08-02
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. (MD)

I am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my XXXX XXXX card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/24 has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected 748. This is ridiculous.
Consumer complaint received 2019-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hi, Capital One has dropped our dispute for leather goods returned to seller in XXXX, XXXX. We're charged for {$1100.00} for leather goods we returned to seller, because jackets were poorly made and falling apart. The seller wanted to fix/replace products but at this point in time we lost faith in the quality of the product. The seller started yelling and threatening us with claiming we damaged goods. 

XX/XX/XXXX - Purchased jackets/belts XX/XX/XXXX - After my Wife put on a jacket and noticed it was falling apart and seams were improperly done, we returned ALL items. Seller threw a fit, claiming we may have damaged the jackets. At this point we refused a replacement. I called Capital One and was told to leave all goods on counter. A dispute would be opened and there would be no problem ... I would not be out of {$1100.00}. 
XX/XX/XXXX - Followed up with Capital One with supporting documents. They told me not to worry about anything. 
XX/XX/XXXX - Capital One rebilled us for {$1100.00}. I explained I was told there would be no issue ... and to leave all goods with seller. Capital One was to research the conversations that took place on XXXX, listen to the recordings of my many calls to them. I called them several times during this incident from XXXX. 
XXXX - I was told NO calls could be found ... this is crazy. I find it untruthful. The principle of faulty merchandise on top of the fact a Capital One dispute associate told me there would not be an issue with leaving goods with seller and now I owe {$1100.00}? Unacceptable. On XXXX I was told I owe the full amount. 

We should not owe a thing, obviously. I'm canceling the Capital One credit card and will not do any biz with them. 

Please see what can be done in this situation. This shouldn't happen to us, or anybody else for that matter. The leather bully in XXXX should not be able to do this to people. Capital One should back their customers. Capital One has not stuck up for us. As for the XXXX XXXX XXXX XXXX, they're crooks hiding behind the fact they're in XXXX. I should have recorded the whole event and phone call placed to Capital One. 

Thanks for your help. Please see supporting PDF document
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (TX)

I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; Dear XXXX XXXX XXXX of Absolute Resolutions Corp, & XXXX XXXX XXXX of Absolute Resolutions Investments , LLC I Have no knowledge of this Account XXXX XXXX XXXX, XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX XXXX, of Absolute Resolutions Corp. or XXXX XXXX President of Absolute Resolutions Investments , LLC or, XXXX XXXX  ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio!

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 an account without my written instructions. 


Now that you have been notified that this information is inaccurate, I XXXX XXXX XXXX ; ORDER you XXXX XXXX XXXX, of Absolute Resolutions Corp. & XXXX XXXX XXXX of Absolute Resolutions Investments , LLC to Immediately Delete this account XXXX XXXX  XXXX, XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

as this file XXXX XXXX  XXXX, XXXX XXXX XXXX has damaged XXXX XXXX XXXX ; image, name, likeness, reputation and also damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding XXXX XXXX XXXX of Absolute Resolutions Corp, & XXXX XXXX XXXX XXXX Absolute Resolutions Investments , LLC & all consumer reporting agencys and XXXX partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX XXXX  for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. By XXXX XXXX XXXX of Absolute Resolutions Corp, & XXXX XXXX XXXX of Absolute Resolutions Investments , LLC Pay to the order of : XXXX XXXX XXXX