davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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. (AE)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to seek your assistance regarding a matter involving a recent violation of my rights under the Fair Credit Reporting Act ( FCRA ) by a creditor. As a loyal customer of XXXX XXXX, I value the relationship I have with the bank and wish to address this issue amicably with their cooperation. 

In accordance with the provisions outlined in the FCRA, specifically detailed in 15 USC 1681, the creditor in question has unfortunately disregarded certain fundamental rights granted to me as a consumer. The violations are as follows : 1. **15 USC 1681, Section 602 : Right to Privacy** - This section explicitly guarantees my right to privacy regarding personal and financial information. The actions taken by the creditor have, regrettably, infringed upon this fundamental right.

2. **15 USC 1681, Section 604a ( 2 ) : Consent Requirement for Furnishing Account Information** - Under this provision, it is stipulated that a consumer reporting agency can not furnish account information without my explicit written instructions. However, such instructions were not obtained by the creditor, leading to a violation of this requirement.

3. **15 USC 1666b : Prohibition Against Treating Timely Payments as Late** - This section prohibits creditors from treating timely payments on credit card accounts as late for any purpose. Despite my efforts to maintain timely payments, the creditor 's actions have inaccurately reflected otherwise, causing undue distress.
Consumer complaint received 2022-08-13
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. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : $ XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00}
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (WA)

Re : Comenity Bank for HSN credit card On XX/XX/XXXX I made a payment for {$40.00}. early and for more than the minimum due On XX/XX/XXXX I reveiced an email I was late, I logged into my account to find a returned payment fee and returned charge and it said my payment was returned XX/XX/XXXX. 
I immediately called Comenity, after numerous calls with different answers, I was told to send in my bank account statement. 
On XX/XX/XXXX I faxed my statement for XX/XX/XXXX-XX/XX/XXXX to show there was nothing returned. After waiting weeks for a response, I was then told this was not sufficient enough and they needed a letter on letterhead from my bank stating that nothing was returned. 
On XX/XX/XXXX I went to the bank, got that letter on letterhead signed by the braanch manager and faxed it to them. It states nothing was returned by them from XX/XX/XXXX-XX/XX/XXXX. 
This is still not sufficient for them and are continuing to ask for more information and not making corrections to their mistakes. 
I have done everything starting with making my payment in good faith earlier than required and sending all proof twice that nothing was returned as they claim it was. 
Whatever mistake was made on my account was not by me and I am getting charged for it and with 30 days late on my credit, for the 1st time in 2 years. I was in good standing until this. 
Not only did they wait to inform me of a problem with my account until it was into a 30 days late status then charge me and put a bad mark on my credit. 
They are also sending bills 1-2 weeks later than payment due date.
Consumer complaint received 2020-10-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company ()

My home loan currently is serviced by Freedom Mortgage. I have a 60 day locked rate for a steam line IRRRL refinance that expires XX/XX/2020 with Freedom Mortgage. I've had closing dates scheduled and cancled by Freedom on XX/XX/XXXX and XX/XX/XXXX without notice and cancelation was not do to my own negligence. I have reached out several time for the past 3 weeks to the Loan Officer Mr. XXXX, escalation department, my assigned advocate/loan processor XXXX XXXX and customer service without receiving a call back after agent sent inter-office messages in which I was told someone would definitely contact me back. I've left messages on XXXX XXXX a escalation rep at XXXX XXXX several days without response. It appears that freedom is purposely eluding my attempt to close on my refi rate for reasons i am unaware of. Perhaps agents are working from home and not doing their XXXX.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, Experian has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX  XXXX  XXXX never late
Consumer complaint received 2020-04-28
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: Ridge & Valley Realty, Inc. (CO)

I wrote and sent a letter ( next day air on XX/XX/2020 ) to the Compliance Officer or credit reporting division, to request A Deletion Letter or affirmation stating that the account with CREDIT SYSTEMS INC would be removed with the credit reporting agencies. I called XX/XX/2020 to see if a decision was made and very rudely I was told " NO, that they could not accommodate this request '' ... Even though it shows " paid in full with a XXXX  Balance '', this is still affecting my credit scores among all 3 agencies. They also said " a paid in full letter was already sent out '' ..., but that was from a XXXX correspondence back from XX/XX/2020.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

When I signed up for an American Express card, I was told over the phone that the annual interest rate would be 16.99 %. On XXXX XXXX, XXXX, I was charged approximately {$36.00} dollars in interest in two separate interest charges, an amount that seems significantly higher than what should be, according to the original terms. Despite my multiple requests, American Express representatives who I contacted on XXXX XXXX, XXXX refused my request of a formal audit, not only to look at this calculation, but other months in which I may have been overcharged. The refusal to investigate further leads me to suspect that there may be other aspects of this that are unfair or in violation of laws. Can you audit my American Express account since they refuse to?
Consumer complaint received 2023-03-10
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: SYNCHRONY FINANCIAL (AZ)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint Information : The mortgage payments on my loan serviced by Capital One, N.A. account are paid through XX/XX/XXXX. I am due for the XX/XX/XXXX payment. However, servicer is reporting payment is due for XX/XX/XXXX. Misapplied payment on my mortgage account which the servicer refuses to
research & correct. Background Information : I
filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX which was discharged on XX/XX/XXXX ; full PITI mortgage payments were made every month. Capital One, NA failed to record payments made on the date ( s ) received, but placed them in an escrow account resulting in an account history that is incorrect and useless. Capital One, N/A would allow the account to appear severely delinquent then post a lump sum to the balance ( after 3-4 months of holding the payments in suspense ) resulting in the payments being misapplied. I received no monthly statements during the 5 years in bankruptcy therefore I was not aware of this issue. During the reconciliation of my bankruptcy case prior to discharge, Capital One [ XXXX XXXX, XXXX  XXXX ] falsely reported my mortgage loan was severely delinquent in the amount of {$4400.00} to the bankruptcy trustees office on XX/XX/XXXX. 

Attempts to resolve issue : I began attempting to work with Capital One, N.A in XX/XX/XXXX but they will not respond. During several calls to them, I was told my file was assigned to the research department, being handled by an individual by the name of XXXX, who has consistently stated he would get back to me but has never responded. On XX/XX/XXXX a qualified written response was sent to Capital One, N.A. ; which was delivered on XX/XX/XXXX ( according to the U.S. Postal Services tracking receipt ). As of today, XX/XX/XXXX, Capital One has failed to acknowledge receipt of my complaint or respond  under the RESPA and has violated my rights as a consumer under this act.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$330.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: COMMERCE BANK (MO)

A charge was made on a credit account that was already closed for inactivity. When I got the bill I sent letters advising the financial institution that the charge was fraudulent. 
The institution continued sending letters and masking phone calls and totally ignoring the letters regarding the fraudulent transaction and the billing on a closed account. 
When speaking with them on the phone they would tell me I had to report it to the fraud department. Then I would be put on old for long periods of time. 
They ae continuing to send bills and make phone calls. 

In an agreement reached by phone with their representative I paid the initial charge of {$99.00} to resolve the issue and close the account. I made that payment but the Commerce Bank is still sending me bills and calling me. 

I have never been successful in reaching their fraud department. Written communication will not reach them and when I'm transferred on a all I get put on hold and never get to talk to anyone.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: eMoneyUSA Holdings, LLC (TX)

XX/XX/2020 received voicemail from XXXX XXXX stating that proceedings in XXXX County court are being processed and they would contact my employer. left number XXXX. 

They also contacted my brother who lives out of state and said there were legal proceedings in XXXX county and wanted info.

When I contacted the phone number I asked who I was speaking with and was told Assurance and they represent a network of attorneys. when I asked for the other party in alleged matter, I was placed on hold and then a representative named XXXX XXXX told me that they're just a middle man and that 3 charges are pending processing regarding a financial transaction with EMoneyUsa ( whom I've never entered into business with ) when I asked that a validation of debt be sent, I was told to contact the EMoneyUsa directly and that she would inform counsel that I had no knowledge and assured me there was evidence in the legal file and I would need to inform the judge if I hadn't received any information about this debt. 

She also denied that they contact my brother, something about they would just leave their number, and it was more than likely a person who was hired by XXXX county to locate me. 

All kinds of weirdness, not to mention violation of fCRa.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

when I recently checked my credit report I seen that there was a closed capital one account on my report opened XX/XX/ I was not made aware of it this is my first time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both capital one and the credit bureaus but they have not made the actions to get the account removed off of my credit report Its been past 30 days I have put the report in with identify theft as well and now I am here reporting this I would like for this to e off my report it is damaging me to be able to do things with my life with how it impacted my score
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MI)

They sued me mid pandemic. Initial amount owed was {$1100.00}. I called to agree to {$990.00} @ $ XXXX/mo. I've made pmts in XXXX, XXXX, XXXX, XXXX & XXXX. But they always report to my credit that i didn't make my pmt and they report a higher amt than I actually owe. I currently owe {$590.00} but they reported that I owe {$770.00} for this month. I've tried to have this corrected directly with them. They have refused to let me speak to a supervisor after multiple requests. I finally filed a dispute with XXXX on XXXX for inaccurate payment history and inaccurate amount. I called today ( as a courtesy ) to let them know that I missed almost three weeks of work due to COVID19 and that I wasn't able to make my payment this month ( the dispute is still pending but I still want to pay them ). I spoke to XXXX XXXX on XX/XX/22 @ XXXX EST. He told me " he doesn't have to defer my payment unless I drop my dispute. '' His exact words! He tried to twist my arm to drop the dispute! I demanded a supervisor and spoke to XXXX XXXX @ XXXX. I wanted to report what the previous rep said to me and that I will not be able to make the payment this month due to COVID19. I clearly told her I did NOT wish to discuss the dispute. She argued with me for over 15 minutes about me dropping the dispute even though I said multiple times that I wont discus it with her. I then asked multiple times if our call was recorded. She replied multiple times that it " may be recorded. '' This company sued me mid pandemic, has been nothing but a hassle, reports inaccurate information to the credit bureaus, refuses to defer a payment due to COVID19 and is trying to twist my arm to drop a dispute.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WI)

I have asked Experian to remove old addresses and phone numbers not connected with my current credit history and they have repeatedly denied my request. Also since calling and providing them with my most current living address they have started to mail reports to a prior address. I have informed them that I do not live there anymore, but they still send information to that address. I considered this a breach of personal information. 

They are sending my personal information to someone else and refuse to use my current address and I feel that this could affect my livelihood. I have called their customer service, who was extremely rude and unhelpful, to ask them to take off the old addresses and contact information and use my current information but the person on the phone only added my current address nothing else. When I asked her to take all the other off she got snappy and kept cutting me off. I have been in dispute with them for about 5 months now and have sent letters with my current address and identity confirmation, but they claim that what they have is not enough. 

I have the right to request the removal of old information and have been denied. I do not appreciate them ignoring my concerns and request.
Consumer complaint received 2021-10-13
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. (NC)

Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, XXXX, Equifax, XXXX XXXX and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX XXXX
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Webcollex, LLC (CA)

The debt collector began to demean me for not being able to pay my debt. She began arguing with me, raised my XXXX XXXX and tried to make me feel like I was a horrible person because my priority is not paying this debt in her eyes because I cant come up with the {$600.00} balance. I just lost a family member and am grieving at the moment. They continue to harass me with repeated phone calls.