davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

Bayview MXXXX included {$3600.00} payment over to me to pay for a mistake on they behalf. Transferred to Community Loan applied for Modification for 6 months my mortgage is only {$560.00} they increased my mortgage 8600.00. Transferred to XXXX XXXX XXXX. I the process my fixed interest rates has change which my payment has also change. I purchase my house XX/XX/2000 in the amount t of {$54000.00} I refinance one time received {$16000.00}. The amount has Increased with each on the two Mortgage companies listed above Bayview and Community I know something is wrong.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Capio Partners, LLC (FL)

I pulled my XXXX and XXXX reports on XX/XX/XXXX. They listed capio partners llc as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

I have an older report from XXXX dated XX/XX/XXXX. They listed XXXX XXXX XXXX as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

This fact alone leads me to believe that Capio Partners llc has re-aged the medical debt. On XX/XX/XXXX I called them at XXXX and dealt with a very nasty person named XXXX in reference to this alleged debt. He disregarded what I was attempting to say and continued to tell me that the only way they would delete the information was if I paid the debt and stopped stating it was alleged debt. 

Please help me. I need someone to fight for me. They have all the power to destroy my reputation and you seem to be my only hope.
Consumer complaint received 2016-01-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I currently have an initial fraud alert on my file with all XXXX bureaus. TransUnion even sent me a confirmation notice that this initial fraud alert was issued as of XXXX/XXXX/2015 and would remain for 90 days. I attempted to receive my FREE copy of my credit report under FEDERAL law with TransUnion on their website. I followed the correct prompts regarding my reason - fraud alert - and was promptly told to pay {$8.00} because I live in California. My request is not a just-because that would qualify for a fee charge ; this is in conjunction with my initial fraud alert! I am illegally being redirected by TransUnion to pay for a free report I am entitled to based on FEDERAL law.
Consumer complaint received 2024-04-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

Recieved a letter in the mail today about my Lowes card closing, I called because I was concerned the letter stated it was closed due to Restriction placed on the account for suspected unauthorized activity and Subsequent inactivity on the account. The first rep I spoke to told me that my account was closed because of info they recieved from the credit bureaus. I asked if it was closed due to inactivity also because the letter stated so and she said no and I replied ok that would be odd if you closed my account in under a year as I used my card almost a year ago XX/XX/2023 and planned to make a purchase at lowes in the next 2 weeks. I asked if I could have more info on the suspected unauthorized use. I was transfered to a senior account rep and was told it wasnt for that it was for inactivity. I asked for the accoun to be reinstated and was told I would have to reapply lowing my credit score. Even though there is no offical rule stating they have to wait a year, and nothing will probably come from this complaint I just want it noted by the CFPB. This may be credit card giants reducing their customers due to the recent " CFPB Bans Excessive Credit Card Late Fees, Lowers Typical Fee from {$32.00} to {$8.00} for issuer over a XXXX accounts. '' Complaint filed mainly to document for CFPB future investigations and or fines for like issues. I have excellent credit XXXX and make over $ XXXX a year
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2024-03-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

I submitted a qualified written request ( QWR ) to Nationstar Mortgage LLC dba Mr. Cooper, the purported servicer of my VA mortgage loan on XX/XX/XXXX. They responded to my message through their online portal that I will be contacted within 5 business days. This never happened and I had to communicate to Nationstar again on XX/XX/XXXX which then they referred me to call their customer support at XXXX. I spoke with support and they told me they can not release the documents I requested. I have yet to receive the QWR documents in violation of RESPA and Pennsylvania XXXX laws. 
I am requesting a complete payment history, a certified copy of the original note, and a signed affidavit from someone in the company stating that the note was an original, not a scanned copy. Along with my original mortgage documents, riders, mortgage application and compliance with VA servicing standards.
Consumer complaint received 2022-07-20
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. (VA)

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}
Consumer complaint received 2021-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I was credit approved for a personal loan # XXXX on XX/XX/2020. Attached is an approval letter ( see Exhibit. 1 ) I have signed the promissory note on XX/XX/2020 and received the following email dated XX/XX/2020 ( see Exhibit. 2 ) stating that the loan funds have been transferred directly into your bank account on XX/XX/2020 ; however, this later turned out to be incorrect as per a letter dated XX/XX/2020 ( in the attached Exhibit.2 ). Per that letter, HSBC has decided to deny the loan based on " documents provided are not acceptable to verify your income ''. Up to this date, I have requested a copy of the executed promissory note and executed loan contract related to this loan for my own personal records ; however, HSBC denies providing me with such copies.
Consumer complaint received 2022-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

I contacted Experian on or about XX/XX/2016 letting them know I had been a victim of identity theft and there were several items on my credit report that were a direct result of identity theft and that Experian needs to delete these items immediately. After several letters of communication with Experian they sent me an updated report with the necessary changes and items that were deleted from my credit report. Shortly afterwards on or about XX/XX/2016 I reviewed my credit report and to my surprise these accounts that Experian had deleted were reinserted back on my credit report without any notice. According to the FCRA section 611, Procedure in case of disputed accuracy ( 15 U.S.C 1681i ) Experian has to give me prior notification in writing that items will be reinserted. I did n't receive any notice. I reserve the right to seek legal council and file a civil suit according to the provisions of the FCRA 1681s-2 ( b ) The items Experian reinserted that need to be deleted permanently are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

I contacted the company because my daughter received a XXXX XXXXXXXX card as a birthday gift about a year ago, but lost it. Once we found it I called to get the card reinstated, However, when I called the customer service number I was told we would have to apply to get this card reissued with our social security number. Under no circumstances was I giving my SS # to some random person with a foreign accent. I asked to speak to a manager and was put on hold for over an hour. I never did reach anyone. So I sent an email to the company president and their law enforcement division. This is the error message and the number I received when I tried to get this done online. 

Something went wrong In order to complete your account activation, we need a few additional details. Please call customer service and we will help you complete the process. 
XXXX https : //www.netspend.com/account/activate
Consumer complaint received 2022-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (IL)

I guaranteed a company auto lease in XXXX with XXXX, the lease was for XXXX months and ended in XXXX XXXX. I made most payments on this lease because the company was not financially able to make them. In XXXX XXXX XXXX wrote me stating that a payment was due and I should remit it to them. I called XXXX stated that the lease has ended and that I no longer was associated with the firm, the response was that they extended the lease without informing me and that as long as the lease number did not change I was responsible. I stated that I did not authorize this extension and would not be responsible. 
Since that date the lease has been extended 3 times for a total of XXXX months without informing me, each time the company defaults they contact me and I repeat my original statement. XXXX has reported me as paying late to the credit reporting agencies damaging my credit rating. 
I have asked for copies of all signed documents and phone records relating to this lease and XXXX has refused to provide them. 
I do not believe that a 3rd party can obligate me without my knowledge or consent for a term now 50 % longer than my original commitment when XXXX was aware that this party was not credit worthy.
Consumer complaint received 2023-03-22
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. (WI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen is TERRIBLE!!! My previous complaint # XXXX regarding my XXXX mortgage was FINALLY taken care of, but NOW I have a new problem with them and my XXXX Mortgage!!! I get my XXXX XXXX statement for my XXXX mortgage in the mail yesterday, which shows my previous balance of {$12000.00} of which I made a PAYMENT of {$180.00}, which would bring my NEW balance to {$12000.00}!!! But instead of CREDITING my account ... .Ocwen ADDED the {$180.00} payment and now my NEW BALANCE is {$12000.00}????!!!! Only Ocwen would ADD a credit to a balance and not DEDUCT it from the balance!!!!!!!!!!
Consumer complaint received 2022-07-20
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. (VA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX XXXX Balance : {$38.00} ; XXXX  XXXX XXXX Balance : {$690.00}
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Last XXXX I purchased a Mattress from MattressFirm. The store clerk convinced me to sign up for a MattressFirm credit card, which ( as he stated ) " offers XXXX interest rate! just pay the minimum! '' Unfortunately I don't have very much experience with this, so I agreed to this offer. Next thing I knew, I received a welcome package from Synchrony Bank ( who I had never heard of ) with mounds of paperwork. I created an account online and setup autopay, which simply ran every month in the background. I checked every now and again but never saw any changes to statements and was never contacted by them. 

Today, I received an email from Synchrony stating " Terms had Changed. '' When I looked, I noticed I'd been charged immense interest - starting XX/XX/XXXX with an interest fee of over {$650.00}. I was shocked to see since then they had begun charging interest with XXXX communication besides " a small red callout in your statement. '' I communicated with the company and spoke to a manager about why I was informed of a terms change but not a massive interest rate hike from XXXX to nearly 30 % and she said I should've checked my statement as " it's the only way we can communicate with you. '' When asked why I received the email about the terms changing and not the sudden {$650.00} charge, she simply said it's my responsibility to check my statement. While I don't disagree, the fact that they had the means to inform me of an expiring promotion and chose not to is beyond predatory. Now I need to quickly figure out how to pay this whole bill off before the interest balloons ( as it has been for the past several months ).
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

I called today to follow up on the written request for information per their stated procedures. I have not received the bill of sale or the purchase agreement and my account representative informed me that she was not a debt collector and didn't work for a collection agency. She also would not answer my direct request for a bill of sale and purchase agreement. When I notified her that the balance was incorrect, she stated that all of the balances are reported directly from the apartments. When I asked for an itemized list of all of the charges they sent over she would only read it to me. The amount of the debt is incorrect. I have checked with the original debtor.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the  UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2016-04-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (VA)

Today I was at work and a person named XXXX called my job to talk to me about debt that is owed to Millennium Financial. I told her I was currently at work but she demanded that I discuss the debt immediately. I then asked for her phone number and she proceeded to give me the phone number but then demanded that I call her by Monday XXXX XXXX I thanked her for the information and she hung the phone up on me. Her tone during the call was unprofessional and did call the number back to file complaint with her company. I also asked for them to never call my job again and that she never contact me regarding this issue. Millennium Financial and a company named XXXX are attempting to collect on this same debt and I do not feel comfortable discussing it with them.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.