davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (AZ)

i have multiple hard inquiries that were not authorized by me, i feel im a victim of identify theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (SC)

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 
XXXX. XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX. XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Community Loan Servicing ( FKA as Bayview Loan Servicing ) stopped allowing me to make payments in XXXX. I am the owner of the home but not the original mortgage holder. Something happened between the previous owner ( the mortgagee ) and the servicer/lender - and from that point my rights to make payments and discuss the loan and all assumption process; was stopped without explanation. 

Nearly two years later, on XX/XX/XXXX Community loan servicing filed a notice of default with NO notice to me what so ever. There was no notices of intent to accelerate, no notice of foreclosure prevention options or anything- the first thing I saw in over 20 months was a notice of default. Also the amount demanded seems very wrong. 

This is my primary residence, I am the sole legal owner ( since XX/XX/XXXX ) and I do intend to keep my home. I need help stopping the foreclosure process and I want to make payments but I still have not been allowed to do so. Please help so I do not lose my family home. The bank did NOT follow homeowner bill of rights and did not factor in COVID or any foreclosure prevention solutions and not any notices at all. PLS HELP!!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2023 a letter was sent to TransUnion, XXXX and XXXX to remove inaccurate personal information and any errors from my credit report and it is now XX/XX/2023 which they have not removed anything the incorrect information is still currently on my credit report
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo handles XXXX 's card services. I paid my account in full, XXXX 's aka wells Fargo drafted my account for an additional {$29.00} which caused a credit. I requested a refund which they did to my account. They then mailed a check which I threw away because my account was credited. I now am being charged XXXX on my account again because they want me to cash a check I don't have. I have called several times. I received a letter asking me to deposit a check I don't have. I don't owe well Fargo anything. Please HELP
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (AZ)

I discovered Aargon Agency reporting on my credit report and since I have never received any notice of me oweing them a debt, I attempted to dispute this account. After various attempts to dispute this account with the bureaus, I followed up with Aargon agency directly on two occasions. I used the creditor contact displaying on my credit report which according to the bureaus, is the same address they used to verify the debt. However, on both occasions, I received my letter back as it was deemed not deliverable as addressed and unable to forward. I will be including both letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.
Consumer complaint received 2021-11-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

I lost my job as a result of Covid-19 and placed my HomePoint VA mortgage in forbearance. I secured new work and began making my payments again in XX/XX/2021. I began looking at refinance / VA XXXX options to get current again. I continued to make payments and payments were accepted by HomePoint towards my mortgage debt. HomePoint returned my payment for XX/XX/2021 knowing this would disqualify me for the 6 months of on-time payment requirement in order to secure refinancing from a new lender. HomePoint has deliberately sabotaged my refinance options and at this point I am now unable to refinance my loan away from HomePoint. Refusing to accept payments, even if just to put in Escrow, was a deliberate and malicious act by HomePoint Mortgage and they should lose their ability to service any and all VA mortgages moving forward.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (NC)

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned company requested that I co-sign for XXXX XXXX because he did not have enough credit. They explained that everything would be in this name and I would only be responsible if he did not make to payments. He is doing well in his position so I came to Md. to sign the papers on which I was secondary. Before I signed the paperwork he had purchased insurance and afterward had the window tinted. Once I returned home the dealership asked me to come back and sign a document requiring the vehicle to be housed in NC where I live. My son lives in Md. This was never a requirement and how would we do such a thing when he would drive the vehicle in Md. I was told Ally financial is requiring this. It made no sense to me and I declined to do so. Therefore they requested my son bring the vehicle back which he did. Since that time Ally has called my job to collect a debt. In the police department on a recorded line. Sent my son and me collection letters and demand payment of a vehicle we return within 2 weeks of attempted purchase. Ally Financial and XXXX XXXX XXXX XXXX Md. I reported no payment to the credit bureau and harassed my son and I. We have not had the vehicle since XXXX XXXX payment was due XXXX. Now 2 payments. This is not acceptable,
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Had some fraud on a credit card so my financial institution. Capital One issues me a new card on the same account. I have some recurring transactions on the card and was updating that information but had n't gotten around to all of the vendors. At one point I logged into XXXX as I saw a charge on my new card from them I look and I see that they have my updated card information. I initially thought that I had updated the card and just did n't remember, so I shrugged it off. But then I saw a charge from XXXX, XXXX and I KNEW I did not give them my new card number because I had intended to move that recurring charge to another form of payment. I logged into my account and not only had the charge gone through but now XXXX has my new card number. I had never given to them nor authorized anyone else to give it to them. 

I called my financial institution and they said it was XXXX. I called XXXX and they said it was my financial institution. I did some digging on XXXX 's website. And sure enough they sell it as a service to their merchant customers. XXXX No one will tell me how I opt out of this or even if I can opt-out. But I find it an unacceptable security risk that someone is providing a third party with my private financial data, my credit card number, without my express consent. 

I understand the convenience this provides both businesses and consumers, but I feel this is something I should have to opt-in to, or at the very least be able to opt-out of.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To whom this may concern I have been applying for credit cards over the past years I have applied and filed for bankruptcy and now there are inquiries showing up on my credit report that is causing it to have a negative impact I do n't have credit cards with a lot of these companies but yes in the past I have applied to them understand how they 're able to keep calling me for my services and then when I applied they reject it and then they have a negative impact on my credit score I just want them to stop contacting me and take those things off of my credit report I need them to cease and desist I 'm doing all these things to my credit report.
Consumer complaint received 2024-02-08
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NV)

Payments from my escrow account for the new year of XXXX. As has become the normal business procedures of Fay servicing.

Fay has stolen another {$2900.00} to start out the fiscal year of XXXX. 

I will break down how incompetent and derelict this entity is in performing its business. 
Because of improper use of my impound funds, Fay has caused penalties and interests to be accessed to my property taxes. This has gone on since they acquired the servicing of my loan.

I have requested that my impound account be canceled, that I will handle my own Ins. And Taxes. Fay refuses. So alas, I refuse to send my impound funds for them to play with. 

Point in case. 

I paid all of the taxes for XXXX in full on XX/XX/, see attached receipts. 
First-quarter payment of XXXX taxes were due XX/XX/. Fay sent a payment on XX/XX/. This makes the payment past due 10 days with possible penalties and interest charged. This did not happen as I had paid them in full a month earlier. See attachments Second-quarter payment XXXX taxes Fay sent a payment on XX/XX/. Even after they were aware that all taxes had been paid in full for the year. See attachments I spoke to the County Treasurer and ask if they had received either of the so-called payments made to the XXXX County Treasurer . Their reply was they could find no record of receiving them. And as the taxes had been paid in full. If they had received any payments, they would have been sent back to Fay. 

Now as of this date XX/XX/2021, nothing has been refunded to my impound account. Of course, this is nothing new for Fay. They have not refunded the monies stolen in prior years. 

On XX/XX/, I spoke directly to XXXX XXXX who is supposed to be my account manager. I, ask him when they were going to refund my stolen monies. And of course, got no answer. Also questioned him about the ins payment that was coming due at the end of XXXX. Reminded him they had no need to pay it as I had already paid it in full on XX/XX/. Confirmation Number XXXX. 
I ask him about all the problems. Breach of Contract, Improper use of my impound funds, stolen impound funds. Late or non-payment of taxes, refund of penalties and interest charged me for late or non-payments, refusal, and ignoring my Attorneys outreach.

Now here we are again. Fay has removed another {$2000.00} from my impound account. 

I have filed several complaints about Fay servicing. This just adds another to the list. The replies from the other complaints were ludicrous. Cant wait to see the ridiculous reply I receive back this time.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (PA)

Simons Agency is refusing to remove the open balance on there end even though it is deleted from my credit report. It say I owe two payments which are false because I went to the XXXX XXXX XXXX in the XXXX XXXX which was a free health clinic. I should have never been charged.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2019-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

Last year I worked hard with a PHEAA 's Consumer Advocate Associate and a Fed Loan Services Consumer Relations Analyst to get an accurate count of my payments towards Public Service Loan Forgiveness. After some back and forth with a Dept of Education staff member they arrived at 92 qualifying payments of the 120 needed for Public Service Loan Forgiveness. I submitted the yearly employment verification form to get the next batch of payments to qualify towards the 120 needed. Fed Loan Servicing   still has not processed the form, which PHEAA Consumer Advocate Associate can see in their system, from  XX/XX/XXXX. This is my 2nd request to process this form. It is almost time to recertify for the next year 's batch of payments. 

I have read a number of articles and seen on TV a number of news clips showing PHEAA and Fed Loan Servicing are having trouble processing PSLF paperwork and I don't want to get lost in the shuffle. By my count, I should be done with paying the student loans in XX/XX/XXXX ... that will be my 120th qualifying payment. 

I have placed a request to process the XX/XX/XXXX form with XXXX XXXX @ PHEAA office of consumer advocacy. I have reached out to Senator XXXX 's office to see if they can prompt Fed Loan Servicing to process the form from XX/XX/XXXX. I plan to reach out to Fed Loan Servicing borrower 's advocate. The Dept of Education 's " Ombudsman '' office was subcontracted out to a company called XXXX, and they didn't have much power, but I will generate a service request. I plan on reaching out to XXXX XXXX XXXX, a vice president of PHEAA Loan Operations to see if he is still with PHEAA and can assign someone to assist me.
Consumer complaint received 2016-04-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC (FL)

I signed a contract around XXXX, 2013, out of mostly desperation for a car. Not fully understanding how much i would come to regret this decision along with thousands of other people. First off i was told over and over before signing paperwork that never would the contract go over 3 years. 2 nd thing is im finding out is that the company is known just for selling pieces of rebuilt junk its even worse then the typical buy here pay here place. They pretty much threaten and bully u about the trash they sell and pull at this company so called suppose to help u with credit. If not just for my sake but for thousands of others XXXX needs to be shut down everywhere. It should be against the law to take advantage of people in bad situations charging over XXXX dollars for car that most are not even worth XXXX blue book value. I feel very ripped off and in something that i cant see a way out of thet have received payments from me for over 2 years the transmission is now about to go out any day now amongst other serious problems and after looking through my paperwork im finding out 3 years is more like 4 years. I would really like if this company can be brought to light for me and thousands more. I can not seem to get out of the negative equity and all the payments i have given them also being threatened about credit or being sued for the money owed. This company should not be allowed to continue to keep taking advantage and praying on people in this way they are complete rip offs and should be stopped for good. Plz help i need a way out!
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC (TX)

JTM Capital Management sold my account to XXXX XXXX XXXX. Account was settled with and XXXX. Submitted disputes to CRA to have removed. JTM is refusing to remove from Credit Report. Made several attempts in contacting the Collection Agency but keeps getting voicemail or hung up on.
Consumer complaint received 2019-05-29
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: Resurgent Capital Services L.P. (TX)

sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}