davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-07
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 (AR)

I am having trouble getting my fraudulent credit refunds issued to me from Capital One. I filed a fraudulent dispute with Capital One letting them know that someone had stolen my identity and was using my Capital one credit cards fraudulent or without my authorization. However Capital One closed both of the fraudulent credit cards and reported to credit bureaus that I was 60-90 days late, which is also inaccurate. I had given Capital One authorization to ACH Debit from my Centry next Checking account, which Capital One suspended and then reported to credit bureaus that I was late. I will be including that letter withdrawing my accounts from ACH debit from Capital One. I had been working with Capital One fraudulent team on issuing my credits back to me. Capital one supervisor/ fraudulent team, gave me a date that they would be issuing my credit balance back to me, I called and verified on XX/XX/2021, with Capital one supervisor that they would be issuing my checks on XX/XX/2021, I was given a date from their supervisor on XX/XX/2021 that I would receive my money back for the fraudulent transactions. I contacted Capital One on XX/XX/2021 to follow up to make sure Capital one was issuing my refunds that was fraudulent taken from my checking account, I spoke to a fraudulent team supervisor, named XXXX XXXX ; he advised me that they were reversing the fraudulent charges/ credits on the 2 accounts to make me pay for them. This is totally unfair to me as a customer/ human. I dont owe them ; Capital One is not being fair, and feel its okay to do me this way. Someone or company stole my personal information and made purchases on my credit cards, and its not fair for me to pay them. Capital one advertises zero fraud liability on fraudulent charges. I have a police report to corroborate the fraudulent transactions. I am not responsible for the fraudulent transactions and is requesting that Capital One send me my money back that they fraudulent took from my personal checking account. Capital One also closed both of my accounts and still charging me interest on accounts that they personally closed. Capital one needs to be under investigating for unfair practices to their customers.
Consumer complaint received 2018-01-11
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. (MN)

On XX/XX/XXXX I received a copy of my current Transunion credit report which I had requested. I noticed several problems and called right away. 

After spending 30 minutes on the phone with XXXX, aTransunions representative in the Special Services dept. explaining the missing information I awaited the investigation results. 

On XX/XX/XXXX I received the results of the investigation. They corrected ONLY my birth date and did not address any of the missing accounts on my report. I called again and spent another hour on the phone explaining the previous history of the issue, more detail on the issue and the assurance that it would be thoroughly investigated again. 

On XX/XX/XXXX I received the next communication claiming the " dispute is now complete ''. However, they only added ONE of the missing accounts. 

My credit score is being significantly impacted in a negative way by this missing information. 

I would like help getting Transunion to correctly report my credit history.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (FL)

I was attending a university and when I needed to withdraw from a course was shifted from full time to part time status causing my expenses to increase. However, this occurred after disbursements for the semester. 

The University contacted me in XX/XX/XXXX and I attempted to set up a payment plan with the university and they were agreeable. However when I attempted to make the payment I was told I had already been turned into collections. Apparently, the person I had spoken with failed to notate my account. 
The debt to the school was {$940.00}. 

Upon trying to pay the collection agency I was turned into they said they will require {$1200.00} to absolve the debt. 

Today XX/XX/XXXX, I had an advocate call and attempt to settle with the company, they are are still unwilling to accept anything less than {$1200.00}. 
This is an outrageous increase- one third of the principal debt. 
However, when I contacted the school they said they are unable to assist in any way, the debt has been transferred.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

Short Sale was started XX/XX/18. XXXX XXXX had requested some documents and they were sent to him multiple times. XXXX XXXX never uploaded anything we submitted on this file. In fact, nothing has been done on this file in over a month. It was not submitted to underwriting to start the waterfall process ( for retention review ) until we finally got a manager involved. 

We re requesting the file to be reassigned to someone who will actually work on the file and will communicate with us in a timely manner.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-02-20
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. (PA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

I have checked my credit report for the 1st time in years in preparation to build my credit since I did n't have and accounts or credit cards. I found that there were several collections from the same company with the same dates. I have not had any mail correspondence with the company in question. I am not certain that this debt belongs to me since I have never seen any information about it.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CO)

I went to XXXX on XXXX/XXXX/15 and applied for a store credit card. I was unable to get XXXX. Today XXXX/XXXX/15 I tried to call the number XXXX gave to get the problem resolved but again after putting in my social and DOB it would n't allow access. I then tried to get my free annual report from the website XXXX to see if my information was right but again after putting all my info in there were problems. After multiple tries XXXX site asked me questions about mortgages, credit cards and bank accounts that were started several years back that I never had any involvement in those start ups. Majority of questions are things that require you to be XXXX which at the years they said things we 're opened I was under the age if XXXX.
Consumer complaint received 2016-09-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have XXXX accounts at Citizens Bank NA. I received my social security direct deposit and immediately transferred it into my joint checking account using my Citizens mobile app. After transferring, I returned to my accounts and noticed that nothing had transferred into my joint account. Instead, after some research, I discovered that it had been transferred into the overdraft protection associated with my joint account even though I have a XXXX balance owed. I called the bank and informed them of this irregularity. I called to their attention that on the mobile app I used that that there is no facility for transferring funds into ODP. He informed me that this was a service error and the funds would probably be restored to my joint checking account the following day once the system determined that I had a XXXX ODP balance. He claimed he could not restore the funds himself. My name is XXXX XXXX and I typically keep a total balance across all Citizen accounts of {$100000.00} or more. I assume that Citizens has written an algorithm to unilaterally sweep transfers into its ODP and may or may not inform its customers of that.
Consumer complaint received 2022-01-06
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2018-01-10
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SUNTRUST BANKS, INC. (CA)

Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXX University - XXXX Campus ( XXXX XXXX XXXX. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up on my previous correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the subsequent removal of disputed negative items from my credit report. Regrettably, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

I am filing a complaint against freedom mortgage again for other issues I am having with them I made my XXXX mortgage payment by Internet on XX/XX/XXXX I had two other debits to freedom mortgage they were made not by me debited to my mortgage account I have bank statements showing that the initial debit and XX/XX/XXXX went through and how Freedom mortgage tried debiting my account two other times causing me overdraft fees and other charges. Freedom mortgage returned the money but then charged me a {$20.00} fee for their actions can you please help me with this company they tried stealing for me now theyre charging me money that I do not owe this is all due to me telling them that Im refinancing with another company Ive made Payments on time to this company ever since they bought my mortgage I am in fear that they are going to attempt to tarnish my good credit I reached out to them nobody is on the same page everybody gives me different answers I would like my money back I will be sending them an invoice for all error and finances do to them. And I am not paying any of there fees
Consumer complaint received 2015-07-08
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC. (FL)

I owed a company for a loan I applied for XX/XX/XXXX. XX/XX/XXXX, I began making the payments with a collection company. I was to make 8 payments, then the loan would be paid in full. I made the last payment XX/XX/XXXX and was promised a paid in full letter. I paid a total of {$1400.00}. XX/XX/XXXX, another collection agency contacted a couple of family members stating that I was being charged with fraud. I immediately called and found out that it was a XXXX collection agency trying to collect for the same company. They proceeded to tell me that there was a APB out on my car and the police were in route to come and arrest me. She proceeded telling me she can stop the police if I come up with the balance before XXXX. I tried to explain to her that I had already paid that debt off. But she said that I could explain that to the judge. My kids and I was terrified. We thought I was going to jail. I borrowed my mother 's credit card and paid the balance ... {$1600.00}. They sent me a paid in full letter. By that time, I received a paid in full letter from the first collection company. When I really think back, it never really clicked that this could be a scam. I 'm not sure what happened. These XXXX collection agencies were collecting for the same company. I 'm currently getting my credit repaired. Letters of validation were sent out on my behalf to this particular company. I received the original contract and a letter stating that the debt was sold XX/XX/XXXX, to a totally different collection agency.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

PERTAINS TO 2 CREDIT CARD ACCOUNTS Chase Visa Amazon Credit Card Chase Slate Credit Card As ofXX/XX/2020, I has 2 credit cards through Chase, Chase Amazon credit card and Chase Slate credit card, although the limits were high, I was still making sufficient payments every time and on time, without missing any payments, but as of XX/XX/2020 while I was still making all payments and on time. Covid-19 Pandemic outbreak happened and the SHELTER IN PLACE occurred, which closed down my work place employment almost right away, I called Chase and ask for any type of customer assistance of deferred payments program, or anything that could help considering that I was now unemployed due to the Covid Pandemic, a common answer most consumers were faced with. XX/XX/2020 I contacted Chase Cardmember Services, and explained to them about my job closing, struggling to make payments at that point, but that I certainly wanted to keep in good standing and asked what could they help me with? especially because they were promoting that online and on the news. 

They informed me that they closed my accounts that month!!! and I argued the same key points mentioned above, that I had been making all payments on time and sufficiently, that even though the limits were high and almost at a maximum that those cards should not have been closed, they answered that they decided to close it, my reply was that was too much of a coincidence that it was right during the pandemic and was became frustrated with their decision however, explained that due to losing my job from covid, I was now struggling with making payments. Then I set aside the bills and the collection calls assuming that they took note of my last conversation. The pandemic caused me to have to move to a less expensive place, and shelter in place, As of date, CHASE has been consistently reporting negatively lower scores decreasingly each month with lower remarks to the 3 credit bureaus and thus, my credit score has been dropping and decreasing by the month. I disagree with key reasons, 1- CHASE SHOULD NOT HAVE CLOSED MY CREDIT CARD ACCOUNTS 2- CHASE chose not to help me with any deferred programs even with Covid and the issues surrounding Covid, ie, losing job, struggling to pay etc.

3- CHASE continuously reporting negative remarks and due to them only, my credit report has fallen so poorly, its now effecting whether or not I can rightfully gain employment, since these days I am in spite of covid searching for employment but have been turned down from a job due to their reporting remarks. I was at one point XXXX and from them alone, my score is now XXXX.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It 's being reported on my XXXX report and is wrong because the bestbuy acc is active under another debtor and is in good standing. I do not owe them any money and they should remove that information from my credit report. There were the ones who lost the XXXX acc not me
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Michael & Associates, PC (CA)

On XXXX received Notice of Levy from XXXX XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
Consumer complaint received 2017-12-12
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)

I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX-XXXX ...., XXXX- XXXX ...., XXXX XXXX XXXX-XXXX ...., XXXX XXXX- XXXX .... Transunion has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to e-Oscar or any sort of automated verification. Again Transunion failed to comply with FCRA section 611 ( a ) ( 1 ) ( A ) and is continuing to further damage my ability to secure credit. Transunion has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I am filing this complaint for a client of XXXX XXXX XXXX. He is in our debt settlement program. OneMain Financial has called his work on many occasions after being told by him that it will impact his job. He has since been given a verbal and then a written at work due to the calls.