davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (NC)

Vehicle was deemed a total loss. Insurance have requested letter for payoff agreed amount. Refused to speak with insurance company on 3 way call with borrow to inquire anout letter. Hung up on us the borrow 3 times in one day after wait time to speak to the loss dept was an hour wait time. Would not provide names or mangement for escalations. Stated will not assist in the Gap indurance process. Was rude and nasty with us the borrower and insurance rep. Phone numbers listed on payment voucher is incorrect and also there website. We just want to pay the loan off amd they refuse to assist and will not speak to us. I have asked for management names they would not provide and only sent me to a voicemail.
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Transunion failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Transunion more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

It came to my attention that XXXX XXXX XXXX reported in my credit report that I owed them {$330.00} with account # XXXX as of XXXX/XXXX/XXXX. I do not owe and have no knowledge and any contract with XXXX exist.
Consumer complaint received 2021-02-03
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. (MD)

I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. Transunion, XXXX XXXX XXXX continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, Transunion, and XXXX have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.
Consumer complaint received 2017-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

When I make payments they are not processed properly so that it shows I am always late by a few dollars and New late fees are added. I pay those fees to just get rid of them and then next month there are new fees and they tell me the additional money paid was either put towards principle or in escrow by mistake. A mistake is once not over a time of 2 years. This is clearly a purposeful, illegal violation of my rights. I am stuck and do not know where to turn. They have wrecked my credit and no matter who I talk to it never gets resolved. Most recent, monthly bill was XXXX was told was late 2 months. I said pay what I need, they said XXXX. I said ok, then 10 min later on same call, oh you didnt owe that, you owed XXXX. I said just put the extra towards principle and then the regular amount will be due XXXX before the XXXX. I get the paper statement for the XXXX payment and its for XXXX with another XXXX in late fees and more bad credit reporting. Please help!
Consumer complaint received 2017-12-20
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: Sierra Holdings LLC (MI)

I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than XXXX XXXX XXXX ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
Consumer complaint received 2019-08-14
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. (NY)

I purchased an XXXX through XXXX at XX/XX/29, total amount of {$1200.00}. 
then I immediately filled with XXXX 's seller which i did not received the item, after not resolving the problem, I contact XXXX directly for my case, XXXX told me I need to contact my own credit card bank. Therefore, I contact CITI bank credit card, first time I issued my case, they told me I will received a mail since I need to give them supporting document. After a few weeks not receiving anything, I contacted CITI banks again, and one of the customer service told me I had to mail back the supporting due to they do not accept any mail supporting document. And they informed me I will get a mail notification later on. Still, a few weeks past, nothing was received, I had to contact CITI for asking my case, this time, another customer service provided me an email for me to send all my documents via email, which I did. And they told me to wait for mail for progress. Again, so many weeks past, after each day checking the mail, I called back a few days ago, one of the customer service told me they closed my case without notifying me. I asked what was the reason, they said they did not receiving anything, which last time I emailed, I asked through the phone, they said they received it! And CITI bank asked me to go back to XXXX for my case, I then had to call XXXX, they told me, as same as last time, '' XXXX doesn't involve in this '' So I am wondering who! should I talk to? If my own credit card bank doesn't solve the issue
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TN)

XXXX  XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made the payment to Capital One on XXXX the XXXX from my bank account and it was applied on XXXX the XXXX and I was charged a late fee of {$38.00} on XX/XX/XXXX. The fee was reversed as I called an complained as I am never late. I attempted to make a payment today XX/XX/19 and was advised that the payment was {$130.00} as opposed to the {$94.00} that should the payment since there was a credit of {$38.00}. Instead I was advised that the payment could not be lowered since the cycle had passed and the statement went out already after the credit for the late fee. This sound crazy as XXXX and makes no sense. The payment should not be increased by the {$38.00} if the fee was reversed no matter if the billing cycle has passed or not. This is absurd, interest can't and should not be charged on the balanced based on the late fee, so why would my payment be based on the reversed late fee?
Consumer complaint received 2019-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

We have been having a loan serviced through LoanCare , LLC ( they could be part of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. XXXX or XXXX per their website ) ). During XXXX, the loans ended. LoanCare kept extra monies owed to us. In XX/XX/XXXX we notified them of their error. After about a month, on XX/XX/XXXX, they performed an internal audit and agreed that they owe us {$2000.00}. They promised to reissue a Form 1099 and send a check. Calls to them went un-returned in XXXX and most of XXXX. On XX/XX/XXXX, I finally reached someone and they promised a call back within a day to find out what the problem was. It is now XX/XX/XXXX and no call back. I have been on hold for over an hour with them today. If you look at their XXXX reviews, I am not the only one with this problem. They do not return calls or pick up their phone it seems. Our Company is  XXXX XXXX XXXX, XXXX. Loan number XXXX.
Consumer complaint received 2022-04-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data preach and may nave gotten into the hands of the wrong person.
Consumer complaint received 2022-04-27
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

Received an offer from them via email earlier in the year for {$250.00} bonus with promo code XXXX, for opening an yield pledge checking account by XX/XX/XXXX and making a deposit for {$1000.00} and the bonus will be deposited within 120 days from account opening date. Since I already have/had a money market account with them for a while, at first I tried to open an account online but since there was no place in the application to enter the bonus code, I decided to apply via telephone and told her that I wanted to make sure that she enroll in this bonus offer XXXX XXXX XXXX. The person took all information and submitted the application but it seems it went pending for review and that I would hear back within 2 days. Since I did not hear back I called after 3 or 4 days and the person said the application has been approved and I again asked if bonus XXXX XXXX was applied and to my surprise the person said that she does not see the XXXX XXXX in my application but she was going to make sure that it was applied while I was on the phone and said she did that. I made the {$1000.00} deposit through employer account but until the end of XXXX had not seen the {$250.00} bonus posted to my account. So, I logged in to my account online and sent a message asking about this on XX/XX/XXXX. A week later I saw the status of the message as " read '' in the message center but no one has responded yet but this is not the first time where they read the message but do not respond. NOTE : When I have called them in the past especially during the application and later on during some account issues, I have had long long wait times and have even their voice recording mention wait times of XXXX minutes - so I welcome the person handling this complaint to reach by email so I can communicate with the person responding to this complaint directly and not by phone. Thanks!
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (NC)

I filed a complaint with the XXXX XXXX XXXX concerning XXXX XXXX XXXX in XX/XX/XXXX. I was summoned to court by XXXX XXXX  concerning possession of the property during the COVID-19 pandemic in XXXX & XX/XX/XXXX. And, all both times I was given a continuance until I provided XXXX XXXX with their keys in XX/XX/XXXX. So, prior to this I obtained a new lease with XXXX XXXX XXXX XXXX after XXXX XXXX  mailed me a notice in XX/XX/XXXX for {$6000.00}?! I looked at the notice it said the property had a screens on the windows that had to be replaced. They said the property had furniture left in the home that they would have to remove ( glass artificial flower pot, four XXXX tires, and a water hose in the garage ), therefore I was incapable of receiving my security deposit. I insisted on doing all I could to make regular payments even though were late because I assumed they were willing to work with me because of the COVID-19 pandemic, and the emails they gave me in reference to financial assistance! So, I mailed them bank personal checks, and they mailed them back stating they do not except personal checks! I was almost ready to call them when I received court papers about other reasons unrelated to the pandemic that I was getting evicted. So, basically I was getting evicted because I got married in the home due to the pandemic which was strange. To make a long story short along the month of XX/XX/XXXX to XX/XX/XXXX I received phone calls from Hunter Warfield impersonating XXXX XXXX, then telling me that I still have debt owed to a personal owner of the property under XXXX XXXX. Im still continuing to get harassed over the amount XXXX XXXX wants me to pay them, prior to only wanting possession of there property.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (NV)

don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian is refusing to remove a public record that is being displayed on my consumer file. I have been disputing this public record since 2019 and to no avail. I called and spoke with Experian and was told that XXXX are the ones reporting the information. I then reached out to XXXX who removed the erroneous information from the system ( see attached ) and stated they have notified all the credit bureaus. Experian is still refusing to remove the erroneous public record.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

As of XXXX XXXX my Experian account is inaccessible. Experian was notified of the problem but is refusing to respond and has not corrected the malfunction. My User Name at the Experian website is no longer valid for some unknown reason, possibly fraud/hack. Experian upon request will not email to me a reset for a new User name so that I can have access to my account. 

I wasted hours on the phone and computer attempting to resolve the issue, but can not reach a human to explain the problem. I am locked out of Experian with no way of getting back in. The Experian website does not allow requests for help without having a valid User Name and password of which mine has been corrupted / made unusable. 

Experian is unresponsive to any contact efforts I have made. The Experian automated system has hung up on me several times, and refuses to allow me to speak to a real person. 

I believe that my account may have been hacked, and that Experian 's refusal to allow me to directly contact their customer service personnel is a harm to my financial well being.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

In XXXX  XXXX, I called mortgage servicer New Rez to inquire about removing the PMI from our mortgage. The rep that I spoke to at that point said that we didn't need to do an appraisal or anything and she would submit the request and it would be removed. I knew that was wrong so called back in a few days and was told yes in fact there would need to be an appraisal and that the previous rep no longer works there. Anyway, we finally decided to go through with the process in XX/XX/XXXX, and were informed that since the our mortgage is with XXXX, we can just do a BPO instead of a full appraisal. We sent in the check for $XXXX with the memo line note as instructed for the BPO payment. The check was cashed on XX/XX/XXXX. It was applied incorrectly to a principal payment - we noticed that when we received our monthly statement - even though there was the note (as instructed) that the $150 check was for a BPO payment. I called on XX/XX/XXXX and was assured that the payment had been reversed and it was sent to the correct department for the BPO to be ordered and that someone should be in contact with me to schedule. No one called to schedule, so I called again on XX/XX/XXXX and was told they would "escalate" the issue and make sure someone gets in touch. Called again XXXX and was told the 2 people I spoke to on XX/XX/XXXX and XX/XX/XXXX in fact did nothing, but this time she would "make sure" that it was done correctly and someone would call within 3-5 business days to schedule an appointment for the BPO. Few more days went by, I called again on XX/XX/XXXX and received the same message; they can "submit a request and escalate the issue". On XXXX, the rep advised me to allow until the following Wednesday XX/XX/XXXX to allow for some processing time. I called today XX/XX/XXXX and still no updates. The "customer service" reps are not at all helpful - all of the actual work is done by the "loan servicing" dept who only correspond by email or fax. Multiple times I've asked for a supervisor and been told they are all in a "meeting" and they could call me back (they didn't), From the terrible wrong information at the beginning, to the check being misapplied, to the lack of any sort of helpful updates or information, this has been a total and utter disaster of a process.
Consumer complaint received 2023-04-06
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. (TX)

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (FL)

XXXX XXXX  after a few attempts to collect the debt sold my account for pennies of the dollars to Credit corporation solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now Credit corporation solution Inc XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .UT XXXX XXXX XXXX I went trough a XXXX XXXX, Im able to pay XXXX XXXX  directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score
Consumer complaint received 2019-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I just purchased my home on XX/XX/XXXX with XXXX XXXX XXXX and it was soon after transferred to Lakeview Loan Servicing. In my contract with XXXX   XXXX, I had a grace period of the XXXX of each month with no penalties during the grace period. Additionally, there late fee after the XXXX was not stated to be {$60.00}. However, with Lakeview Loan Servicing, there is a fee of $ XXXX- {$15.00} if payments are made during the grace period and not by the XXXX of each month. I do not believe this is acceptable. I did not ask for Lakeview to Service my loan and I find it quite deceitful and unethical to be charged during a grace period. The first time of making my mortgage payment was to Lakeview Loan servicing, which I paid on XX/XX/XXXX, I was not charged a late fee. Why now, but most importantly, why at all. I would like for my original mortgage contract to be honored. Additionally I have filed a complaint with FDIC as no customer should have to experience this type of unethical practice, especially from a mortgage company that they did not chose to have their loan through. 

Thank you.