davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Prior to XXXX XXXX announcement, TransUnion had a link to freeze their credit easily. After XXXX/XXXX/XXXX, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I asked capital one, via telephone to have my account XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX closed on XX/XX/17. They have not provided any documentation that they did so, and they flagged the account as restricted. They will not give me permission to record the conversations but they do. The law needs to be changed to require a email response to the request and there response, as it is now it only protects the powerful at the expense of the consumer. The internet providers are worse they lie and abuse customers with impunity. 
How do I get capital one to close my account?
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NC)

In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for XXXX XXXX and the other for TD Bank ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from XXXX XXXX about the first card which had a ~90 day past due balance. The TD Bank account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for XXXX XXXX XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXXXXXX XXXX XXXX a former FBI XXXX XXXX  crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I went to XXXX XXXX in XXXX, WA. to make XXXX purchases. The cashier told me that the old XXXX XXXX card is no longer accepted, so she opened a new card for XXXX XXXX American Express. I told her that I had a credit on the old card of {$120.00}, and if she is closing that out, to please transfer my credit to the new card or send me a check. 

I did not receive a statement from XXXX XXXX American Express until XX/XX/XXXX. They added a {$38.00} late fee, and {$3.00} interest charged for late payment. I called both XXXX XXXX and American Express.  XXXX XXXX finally sent me a check for {$120.00} credit on the old card, and American Express removed the late charges off my new card. All was well, until I realized that this mistake lowered my credit rating to XXXX. I have always taken pride in having an over 800 rating! 

I am pretty upset about this because I pay my bills in full every month, and often make early payments. Please look at my American Express payment history. If I had received their statement prior to XX/XX/XXXX, I would have paid it. Please restore my credit rating.
Consumer complaint received 2022-09-09
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)

The company reporting late. But the company sent two checks from the bank. I wasn't about to setup direct immediately, therefore the bank had to send our a check. When the checks returned it cause the account to be late.
Consumer complaint received 2023-01-09
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. (NY)

I took time out to write a letter to XXXX, TransUnion, and XXXX on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2021-09-09
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 (MI)

I have paid this account on time and have never missed a payment. I always mark that the payment is due by the XXXX of each month on my calendar. Today, XX/XX/21, I remember that the payment was due and attempted to pay it online like I always do... but saw that the company has already put a {$25.00} late fee on my account when. It was XXXX XXXX  and the company would not credit my payment ( {$25.00} due ) to today. It forcefully applies the money to the next day and charges me the fee. Then, I read the info online where it said that the payment is due by XXXX XXXX. I never knew and did not agree to that specific term when I signed up for the credit card. 

I called Capital One and both the first level worker and then the supervisor refused to credit my account for the fee. My complaint is that the payment was made TODAY which is still the XXXX. Every other account I have considered after XXXX XXXX  the deadline for each day. Capital One is very cold and unhelpful. Every time I speak with them, they act like the don't value my business and are inflexible with their policies.
Consumer complaint received 2017-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

XXXX XXXX, 2017 Re ; Conveyance Modification for XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Good afternoon, We are submitting this complaint today, with the hopes that you will be able to assist us in resolving this matter with Bayview Loan Servicing. We have been working on a Conveyance Modification with Bayview for 3 years now. Over the course of that time, Bayview has repeatedly and intentionally caused the valid dates on documents to laps on file and closed our file - claiming that they never received said documentation. 

For nearly the last year we have been working with a single-point-of-contact by the name of XXXX XXXX. She has personally been responsible for this deception and her overall handling of our file has been incredibly distasteful and discomforting. Her continued discontent and condescension has made this an absolute nightmare. 

From what I have come to learn, many individuals, trying to modify their loan with Bayview, go through this same process - repeated and deliberate misinformation and requests to submit the same documentation over and over again and As of recent, Bayview has requested that we send them the SAME 'updated XXXX form ' - on FOUR SEPARATE OCCASIONS. Each time claiming that it was a new documents. 

We have all email correspondence on file, if you would like them and can provide you with a breakdown of the sheer mind-numbing amount of calls we 've had to make and resubmissions we 've been forced to provide them with - all for no reason whatsoever. 

Our goal here is to Simply convey this modification loan into my mother 's name, as my father XXXX XXXX years ago. 

Bayview Loan Servicing - XXXX XXXX XXXX - primary point of contact XXXXXXXXXXXX THANK YOU for your assistance with this!
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-03-11
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. (CA)

I have made numerous attempts for a year to XXXX on an alleged account called XXXX XXXX XXXX # XXXX to be removed from my credit due to inaccurate reporting and FCRA violations via certified USPS. I've sent certified mail to the alleged collector asked for original consumer contract with my signature and what service i am being charged for. XXXX XXXX did not respond, they have no original consumer contract. I requested in writing XXXX provide me with validation documentation of the reinvestigation not verification. I receive the same response from XXXX, verified with no valid documentations. XXXX willfully failed to conduct a reasonable investigation into my dispute because when requesting documents into their investigation the refused to provide anything.An assumption is not a valid reason under the FCRA. without a valid contract they are violating the law. Reporting this account " Open '' as a " Collection '' with a " past due balance '' of {$410.00} clearly violating FCRA as well as my rights. i requested for the account to be deleted because it was violating FCRA laws and guidelines, XXXX refused to delete the account.The account until today is being reported with XXXXwo different names, two different addresses, two different dates the account was open and two different dates of last activity on two different credit bureaus.The original creditor is listed as XXXX XXXX XXXX XXXX which does not exist. XXXX  XXXX opened an account dated XXXX XXXX with no contract, i have that in writing which i will save for court.The violations XXXX is continuing to report are astonishing. XXXX has hurt my credit and violating my rights according to FCRA laws & guidelines. XXXX is abusing the system, violating any laws or guidelines?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX  a dispute letter was mailed to experian which i can see they have received. I have yet to get any response into my dispute regarding collections listed on my personal credit report.
Consumer complaint received 2018-03-26
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. (FL)

Manager XXXX XXXX stated that the only thing TransUnion does is see if the name, address, social matches and if so they allow items to be placed in credit files, XXXX made me aware that he knows the FCRA well. I informed him that section 609 states that they must have on file the original contract signed by the consumer or delete the item. I sent in a sworn Affidavit that I never had an agreement with the XXXX. The item is masquerading as account to hinder my mobility in commerce which causes my family to suffer as a direct result of not following : whomever at Trans Union that handled the 2nd dispute stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-12-30
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. (NY)

XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.
Consumer complaint received 2022-09-09
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. (WI)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (MI)

Experian does not have permissible purpose to report anything negative to My consumers credit report. If it doesnt benefit me, it shouldnt be reported. As a consumer, I have the right to privacy. Experian isnt allowed to report late payments along with negative inquiries to my consumers credit report. Experian is in violation of the U.S. CODES. I do not and for future reference will not give Experian, along with the rest of the credit bureaus my written instructions to report anything negative to my consumers credit report. Experian should not take information from third parties and report it to my consumers credit report. Thats aggravated identity theft. No consent is also identity theft! I am the original creditor and Im the only one who can extend credit.
Consumer complaint received 2017-07-12
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. (FL)

I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXXXXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX representing Midland Funding have been harassing us for over 2 years. We went to court on XX/XX/XXXX and settled for {$1200.00}. We were making {$100.00} payments a month to the address that we were given. All of a sudden we started receiving letters from another attorney stating we never made these payments and that we owed over {$1700.00}, we went ahead and made to more payments in the amount of {$100.00} each and again several months later we received a letter from another attorney stating the same thing. They tried to serve us again in XX/XX/XXXX, in XXXX XXXX they would n't let us pay the amount owed and we ended up paying another {$1600.00} to close the account. Now the account showed up on my father in laws credit and they are claiming it was n't paid. We have all the paperwork they have sent along with receipts of our payments and yet they continue to harass us and are trying to serve us again.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I was reviewing my credit information with all  XXXX  services and noted that   XXXX  , Equifax and   XXXX    are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county  (  XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation w ebsite and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX    I called  XXXX , Equifax and  XXXX  to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  Kings county  recorder of deeds.  XXXX ,  XXXX  and Equifax contended the information was accurate. I additionally, informed   XXXX   that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
Consumer complaint received 2019-10-01
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)

On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.