davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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. (IN)

How come everyone recognizes my complaint as a repeat, nobody recognizes they never answered my question. What is truly amazing is nobody at cfpb recognized that TransUnion response is a form letter. Here we go again. OK so lets start out again this is a repeat probably 1015 times over. Trans Union keeps telling me I need to go to XXXX XXXX. I keep telling TransUnion I did go to XXXX XXXX. Trans Union keeps stating that all they do is report was given to them. Yet the last time I called Trans Union they claim that a report was never given to them stating that I was delinquent. Yet Trans Union did show me delinquent. And again to re-iterate XXXX XXXX  has given me documents showing that they never showed me as delinquent. So again I ask why did Trans Union report me as delinquent with no such report or information was ever given to Trans Union. So lets repeat everything Trans Union keeps telling me to go to XXXX XXXX. I have multiple times. Trans Union keeps claiming that all they do is report was given to them. Yet they refuse to give up a copy of this so-called report. Why will not Trans Union give me a copy of what they claim they have. Yet when I called Trans Union they claim they didnt have it. Trans Union cant tell me why they showed me as delinquent all of them as a guess someone screwed up at TransUnion. What happened at TransUnion is my question. Again I have gone to XXXX XXXX  many times so stop telling me I need to contact XXXX XXXX. Nobody ever reported to Trans Union that I was delinquent. Yet Trans Union showed me as delinquent. Why Again, TransUnion told me they have no report from XXXX XXXX. Yet TransUnion showed me delinquent with XXXX. TransUnion doesnt read my complaint. 

TransUnion never received a report showing me delinquent, yet TransUnion showed me delinquent. Why? Answer the wuedtion
Consumer complaint received 2023-01-11
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. (TX)

There is fraudulent information on my credit report that I have been disputing for some time now with each credit bureau and have gotten nowhere. I have sent them each a copy of my FTC report detailing the fraud and they are refusing to remove the inaccurate information from my credit report. It is illegal for a consumer reporting agency to report inaccurate information on a credit report and I am demanding that they remove this fraudulent information. I have attached my FTC report below.
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (GA)

Last spring I went to XXXX XXXX XXXX here in XXXX, GA and had XXXX XXXX XXXX. They offered me a no interest payment plan which I accepted. When the Government Stimulus check came in, I contacted the dental office and paid my bill in full. ( I have verified this over the phone with them ). I have since received 2 bills seeking {$190.00} from AmerAssist, the most recent dated XX/XX/2020, for payment of the bill to XXXX XXXX, threatening to turn me over to a collection agency. I went to their website at XXXX and it said they have no business with me. So I called their phone number ( XXXX ) to find out what was going on. The women who answered forwarded my call to a voicemail box. I tried to call back to speak with a real person and was informed that I was unable to complete my call as dialed. I have since researched AmerAssist on line and founded that this is not an unusual occurrence for them. I did not pay them any money but I AM concerned that Seniors may be duped into paying money that they do not owe by this practice. Thank you for your attention in this matter
Consumer complaint received 2021-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

I have two loans serviced by Fedloan Servicing ( acct # XXXX XXXX XXXX ). 
Accorded to their records, I have made 153 out of 120 required payments towards these loans towards forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program. I have called on multiple times and have been told that " everything looks good '' towards these loans getting XXXX, yet nothing has happened. The letter that I received from them ( dated XXXX XX/XX/2021 ), actually has the TEPSLF data missing from what the previous letter showed. In essence, going backwards. 
I have filed formal complaints with the company, your office, as well as the ombudsman office in Kentucky, both with no results. Below is the wording that I submitted on the loan servicer 's website tonight. Please help!!! 

I have been working on my TEPSLF package for several months now, but to date I am getting the run around. The last two times that I've called I was told that everything was good and that I would be getting new of my approval soon. This has not happened. I've also filed complaints with you and the ombudsman office ; no results there either. What does it take to get a straight answer about my application? I'm really getting tired of being ignored, and told false information.
Consumer complaint received 2019-11-11
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 (NY)

I have had Capital One Platinum VISA card since XX/XX/2014. It was originally a secured card, obtained to establish credit. At that time there was an annual fee of {$29.00}. 

Several years ago, Capital One revised there fee structure and made the Platinum VISA free of any annual fee. I will provide a link if needed, but simply XXXX " Capital One Platinum '' will bring their advertisement, prominently showing zero annual fee. 

I have spoken with them a couple of times, most recently today. It has been explained that because there was a fee when I signed up I must continue to pay that fee. They will not argue that the card is now free. I asked for an upgrade and it was denied. 

Capital One sent a solicitation for a pre-approved zero  fee Quicksilver  card in the mail, which is what brought this to mind. 

Capital One realizes that those with newer credit profiles may suffer if they cancel their oldest card, and that is my dilemma. 

Only to prove the validity of the request and my worthiness for credit, I will state my credit score is skirting 800.
Consumer complaint received 2022-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC1681 Section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

/TransUnion agency reports inaccurate information. I have gone back and forth with the agency in writing a letter and submitted a dispute online, which takes longer than thirty days ( XX/XX/XXXX-XX/XX/XXXX ). It takes longer for them to respond by mail. Once I receive the report it is incomplete because they do not provide me with a full report. I have a TransUnion online account that indicates different information online than the actual paper report. They have not removed consumer energy as I have disputed numerous times. It is not my bill and I will continue to dispute. I have sent copies of police reports explaining the identity thief. There were medical bills on my report that has been taken care of. I notified the reporting agency and informed them that the medical bills had been paid and sent in copies of the payment receipts and they still refuse to update the debt. All medical bills were reported during the pandemic except for one of the bills that were reported on XX/XX/2019. It appears that two different reports are sent out to the consumer that shows different information than what is shown to a creditor who requests a copy of your credit report. Which is deceptive. I am asking that this matter be investigated in a timely manner. Thank you!
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Critical Resolution Mediation LLC (PA)

Hi im writing to you regarding this company again for the 3rd time. the company name is Critical Resolution they continue to harass me regarding " debt owed '' they threaten to take you to jail, curse at you, over talk you, threaten to contact and come to you work, and have called 5 people in my family regarding this matter. i have asked them to stop calling and only contact through mail if this is a real deal situation. they threaten to sue me and arrest me. i can not continue to have to this happen. I know my rights as a consumer and tell them i know the laws and they just laugh at you. please help.
Consumer complaint received 2023-01-11
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 (CO)

This debt was paid by debt consolidation company XXXX. XXXX XXXX reported a XXXX balance to XXXX in XX/XX/2022. This company started sending a bill to an old address and I never received a balance on the account until it showed XXXX days past due on my credit which then alerted me to an issue.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I paid for a certified letter to be mailed out with return receipt for dispute on credit report. It have been over 30 days and no response. Please remove!
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA failed to auto-debit from my personal BBVA account that pays my BBVA mortgage. I have had this auto debit setup with BBVA since XXXX. Nothing has changed on my accounts. This is the second time BBVA had a failure to auto debit from my accounts. Current incidient happened in XX/XX/XXXX when BBVA failed to auto debit my account to pay the mortgage which was noted as a mistake CAUSED by BBVA. It was a known mistake by BBVA bc letters were sent to customers apologizing for failure to auto-debit. This is an issue bc BBVA automatically sent my " failure '' to pay to collections. Since this is BBVA 's mistake, BBVA will need to send a letter to collections and take appropriate action to reverse the damage to my stellar credit score. I have tried multiple times to discuss this with BBVA and they said they can not help me. I am extremely frustrated. Please help. Thanks!
Consumer complaint received 2019-11-11
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX  STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Consumer complaint received 2021-09-12
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. (NC)

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXXXXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (AZ)

Debt was disputed by consumer for validation 3 months ago due to no knowledge of debt, no information was ever sent or received to validate ownership of debt. Initially due to inability to validate debt it was deleted. Debt collector reinserted debt in credit profile, not providing certified mail within 5 days of reinsertion in accordance with section 611. Up to this day debt collector still did not validate accuracy of debt and did not delete. 

Debt Collector : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX  XXXX XXXX   XXXX, FL XXXX XXXX On behalf of company by the name of XXXX XXXX
Consumer complaint received 2021-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked both my transunion and XXXX reports and noticed a significant decline in my fico. I checked the details to see a XXXX XXXX / XXXX XXXX account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (WA)

This company reported to the credit bureau a 30 day late payment when there has never been a 30 day late payment. In addition, they said I had a late payment this month. They never attempted to debit the payment, instead they deposited the payment amount into my account. After 3 hours on the phone and several transfers, being hung up on, etc. they still could not solve the problem. One of the most corrupt and incompetent companies I've ever interacted with.
Consumer complaint received 2021-01-23
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: Experian Information Solutions Inc. (FL)

XXXX account that reported in Experian is a fraud account. I claimed I am a victim of ID theft and have been disputing this account over the past 5 months. I provided all document necessary to Experian and XXXX but they are defying my claim though could not provide the proper evidence I was asking for. 
Experian has inaccurately reported fraudulent XXXX, not only in its own reports but also listed fraud account in XXXX  report line within its 3 bureaus combination reports. In fact, this fraud has never been shown in XXXX  bureau and I never disputed this account with XXXX or XXXX bureaus from the first place. 
This inaccurate reports from Experian must be resulted from an ID theft or mistaken with somebody who has similar name as mine
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (CA)

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I sent an inquiry via certified mail USPS # XXXX to Synchrony Bank/ Care Credit XXXX XXXX XXXX XXXX Florida XXXX. 

The inquiry was regarding an account # XXXX in the amount of {$4400.00} listed on all three of my credit reports as a charge-off, this is not my account. 

In the letter I requested for Synchrony Bank Care Credit to provide all documentation and records related to this account, I requested all documentation and records related to opening up the account in order to show that I did not open this account. I requested that the negative charge-off information be removed from the three credit bureaus and for my credit file to be updated to reflect the accurate changes. I asked for all documentation to be mailed to my attention @ XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. 

Synchrony Bank/ Care Credit has never responded to my inquiry nor did they correct the matter. Synchrony bank by Federal law is obligated to respond to my inquiry in a specified timely matter of which was not done. 

See attached copy of my dispute that was mailed certified receipt to Synchrony bank/ Care Credit on XX/XX/XXXX as well as I have additional information for your review as well. 

1. Cert Mail XX/XX/XXXX which is the purchase receipt for the certified mail # XXXX. 

2. Cert Mail XX/XX/XXXX Page 1 of 6 pages is my copy of the USPS certified receipt sent, Page 2 of 6 is contains my dispute letter to Synchrony Bank, Page 3 to 5 contains a copy of my XXXX  credit file listing the incorrect account, Page 6 of 6 contains a copy of my drivers license. 

3. USPS Tracking Receipts- this shows the date and time that Synchrony Bank/ Care Credit received my certified letter XXXX XXXX containing my dispute.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I fell behind on payments due to severe XXXX. Caliber Home Loans ( XXXX ) would call during my work hours despite my requests to call outside of my work hours since I could not take any calls during my work hours. 6 months later I lost my job without cause but is believed to be due to an injury. CHL and I got in contact and I submitted a Mortgage Assistance Application as instructed. XX/XX/XXXX CHL offered a 2 month forbearance plan of reduced payments to be accepted in writing or by submitting 1st payment by XX/XX/XXXX. At this time I did not qualify for a loan modification. XX/XX/XXXX I emailed the department who was overseeing my case with CHL to inform of my acceptance of the forbearance plan. 1st payment not due until XX/XX/XXXX however I sent on XX/XX/XXXX, and received XX/XX/XXXX. 1st check was not deposited until XX/XX/XXXX. Per the forbearance agreement written by CHL, acceptance of the agreement would cease forward movement of the foreclosure. XX/XX/XXXX CHL went ahead and moved forward with the foreclosure and filed on public record with my county, despite receiving notification twice of acceptance, before the deadline, and they had also cashed my check but applied it to the normal payments rather than the forbearance plan. I was not informed of this by CHL but rather getting bombarded with phone calls, texts, and emails from investors and real estate agents. Notification was not sent to me until weeks later. Postmarked for XX/XX/XXXX, but not received until the first week of XXXX. Additionally, my XXXX case was reassigned as a XXXX claim on XX/XX/XXXX. As a result my income dramatically increased. My email to CHL on XX/XX/XXXX included notification of the increase. Phone call to CHL rep on XX/XX/XXXX states that they never received my email. CHL stated that I did not qualify for a loan modification due to not enough income at that time. In my email I requested to revise the loss mitigation from forbearance to loan modification since my income had increased. I have reapplied for a loan modification and have yet to hear back from CHL. Along with a new application I also requested an explanation as to why CHL proceeded with the foreclosure violating the contract that they created, ahead of the deadline, and cashed my check for the first payment of the forbearance plan. By filing with my county, CHL has dramatically reduced my options to stay in my home.