davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion inaccurate information on my consumer report showing them to be negligent and have showed their failure to comply with invoice to my violations. They originally furnished 2 items on my reports XXXX and XXXX to later delete after cause injury to myself by furnishing these items on my report without the proper initial investigation. This shows their negligence and non compliance.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VA)

On XX/XX/2021 LoanCare/XXXX  XXXX offered me a Flex Modification Trial Period Plan. I sent the first payment in by XX/XX/2021 and then spoke with a Loancare agent ( who called me ) to confirm I was accepting the Trial Modification. I then made the next payment by XX/XX/2021 ( per the Modification agreement ). On XXXX XXXX I was informed XXXX XXXX sold my loan to a private investor and would transfer on XX/XX/2021. 
I then confirmed with XXXX XXXX ( the new loan servicer ) that they would honor the agreement. Unfortunately this was over the phone. In the mean time I received one last statement from Loancare with a note in the Important Message section that states : Notice Regarding Loss Mitigation : Program participation was agreed to. I have made all the trial payments on time. However once the final payment of the trial was made I did not receive a Loan Modification Agreement from the new servicer as stated in the agreement from Loancare. XXXX XXXX has a note that says my payment is XXXX ( which is to be the new payment per the Modification ) and this is the amount I have paid during the past 3 months. However I am now receiving notices saying my account is severely past due but nowhere does it reference my modification plan. Additionally the last payment of the trial period has been paid however I have not received the Loan Modification Agreement as stated in the Flex Modification Trial Period paperwork.
Consumer complaint received 2022-07-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

15 U.S. code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-11-27
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. (VA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 



I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2021-08-25
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. (NM)

I reached out to the credit bureaus of XXXX, XXXX XXXX, and Equifax in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldridge PIte Haan, LLP (AL)

Was initially contacted by mail from Aldridge Pite and Haan/Debt Collector by letter dated XX/XX/2021, who states their client is XXXX XXXX. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with Aldridge Pite and Haan/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from Aldridge Pite and Haan/Debt Collector. I demand that any information pertaining to Aldridge Pite and Haan/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (TX)

Experian has not updated the late payments that I have been disputing on my credit report 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done, { XXXX } can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If { XXXX } reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with this account should be updated to 100 % paid on time. 

ACCOUNT : XXXX
Consumer complaint received 2022-04-05
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. (GA)

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-08-26
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (MI)

Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (PA)

Hello, I contacted ( cryptocurrency exchange ) XXXX 's support about a potential attempt to compromise my account. Basically, I received a text at my business account with an authorization code for a coinbase account. This number was not associated in any way with my personal coinbase account, but I feared it might be an elaborate hacking attempt. Over a week later coinbase locked me out of my own account, claiming that they were helping to protect my funds. 

I have been locked out of my account ever since and have made several attempts to regain control. I altered my password, according to their suggestion and sent an email requesting re-access, to no avail. 

I have made several attempts to contact XXXX  support but am being perpetually ignored. I have written several emails, posted on their XXXX page, commented on their XXXX, messaged then directly on multiple social media platforms. I have never gotten a single response or even viewed message from their team. 

They are essentially holding {$2000.00} of my digital assets hostage, without any timeline or plan or information regarding a safe return. 

Additionally, there are hundreds, if not thousands of customers to whom they are doing the same exact thing. This should be considered XXXX. 

XXXX is actively allowed to profit off of the coins that they hold custodially. Meanwhile the customers who they claim to be working for are having no access to their legally entitled funds. The amount of damage that they are causing to people 's lives every day is immeasurable. I implore you to help me and consumers like me in getting this issue resolved. And not just on a case by case basis, but permanently. This is a disgusting miscarriage of justice that has been probably carried on for at least 3 years. 

The evidence for XXXX and their tendencies to abandon customers and seize funds without just cause or legal grounds is staggering. It is absolutely disgusting that they could even be considered for a public offering right now. If allowed to continue, this approval would be led strictly by greed and not reason.
Consumer complaint received 2022-12-13
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name : Department Of EducationXXXX Acct XXXX XXXX ( Dept of ED/XXXX  ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX, the Original Guarantor is DEPT ED/XXXX  XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2022 SYNCHRONY supposed to withdraw from my account the amount of {$28.00} dollars for the payment of some furniture purchased at XXXX XXXX XXXX, on XXXX the XXXXXXXX XXXX, I discovered that they have withdrawn {$970.00} dollars from my account, my account balance was {$340.00} and this transaction overdrawn my account by {$800.00} dollars, I went ahead and contacted them, because the agreed price was {$28.00}, their response was that i have set up the autopay for the whole amount, which makes no sense, because if Im planning on paying the whole amount I wont set it up on auto payment I will just go ahead an pay it, and their team response was that they would issue a refund with a check that will take 2 to 3 weeks to get to my home, I explained to them that i need to put gas and do groceries specially during this month of XXXX, and they did not offer any other solution. On the night of the XXXX a guy named XXXX allegedly put a stop payment which was a lie and the payment got posted to my account. 

Ive called my bank and they have to issue an investigation, but it will also take quite a while, my husband paycheck is coming not XX/XX/2022 and more than half of that will go towards covering the overdraft caused by the people at SYNCHRONY
Consumer complaint received 2021-03-04
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (GA)

On or around XXXX to XXXX Credit karma told me I was preapproved several times. At first I paid it no mind but they kept sending me so many different preapprovals telling me that I was preapproved for credit cards personal loans, and that I can refinance my car. Everyday I would see these offers every time I get into credit karma to check my scores. After a few months-of being told I was preapproved I thought I was now in a situation where I could apply and get one. I had an emergency that I going to use the preapproved credit cards for and when I went to apply for them I was denied also for the personal loan and it affected my credit in a negative way based off false information. I was completely distraught and upset that I had XXXX mislead for so long. It was a lie I was not preapproved and my information was used on these sites. I started getting even more advertising and calls and e-mails which are just making me feel worse. I was targeted and it made me feel victimized l. It has ruined my credit even more. Now I wont even check my credit as much because I dont want to see all the damage. I had applied for a personal loan of XXXX and multiple credit cards and was denied even tho I was preapproved.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

The Mortgage is in CARES Act forbearance. In XX/XX/XXXX I entered a Trial Period Plan with the servicer. Pursuant to the plan, I timely paid servicer 3 trial payments. The final trial payment was made on XX/XX/XXXX. I contacted the servicer several times asking when I would receive the modification documents and was told they were being processed. I called the servicer on XX/XX/XXXX and spoke to XXXX XXXX. She requested trust documents which I sent her the same day. She responded to my email and confirmed receipt of the trust documents. Unable to reach the servicer by phone, I sent a letter on XX/XX/XXXX by registered mail asking that the loan modification documents be provided. I did not receive a response. I called several more times to inquire about the status and was finally told last week that the trust documents had been misplaced and therefore servicer had sent me another Trial Period Plan, requesting that I make another 3 trial payments. I was told the new Trial Period Plan proposal was sent on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received it. I would prefer that the servicer and lender not breach the original bargain and send me modification documents to sign pursuant to the original Trial Period Plan letter.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (CA)

XXXX XXXX closed my accounts and REPORTED ME TO EARLY WARNING WITH FALSE PERSONAL AND FINANCIAL INFORMATION. I complaint to OFFICE OF THE COMPROLLER OF THE CURRENCY ABOUT THIS FRAUDULENT ACTIVITY IN XX/XX/XXXX, and in XX/XX/XXXX, XXXX XXXX answered PARTIALLY, stating that they had the right TO CLOSE ACCOUNTS WITHOUT ANY NOTICE TO THE CONSUMER AND THAT THEY HAD THE RIGHT TO CHANGE ACCOUNTS, SAVINGS TO CHECKING, WITHOUT ANY NOTICE, AS WELL. However, XXXX XXXX DID NOT MENTION ANY FRAUD ACTIVITY NOR ANY REPORTING ME TO THE EARLY WARNING. IT IS IMPORTANT TO MENTION THAT THE PERSON WHO CLOSED MY ACCOUNT AND REPORTED ME AS FRAUDULENT ACCOUNTS TO EARLY WARNING WAS SIGNED BY XXXX XXXX, SENIOR VICE PRESIDENT XXXX TELEPHONE BANKING, EXECUTIVE LOCATED IN OHIO, BUT GRADUATED FROM UNIVERSITY XXXX XXXX. IN ORDER TO MAKE THIS FRAUDULENT REPORT, MR. XXXX ALTERED MOST OF MY INFORMATION, PERSONAL AND FINANCIAL, AND THE CONSEQUENCES OF THIS FRAUDULENT REPORT IS DEVASTATING SINCE XXXX. I disputed these TWO FRAUDULENT REPORTS TO EARLY WARNING SERVICES IN XX/XX/XXXX, and the answered I received via normal mail is THAT XXXX XXXX CONFIRMED THAT ALL THE INFORMATION SENT TO EARLY WARNING IS CORRECT AND ACCURATE WITHOUT ANY PROOF. I REQUEST EARLY WARNING REQUEST XXXX XXXX PROOF OF THE INFORMATION PROVIDED WHERE XXXX XXXX REPORT MY TWO ACCOUNTS AS FRAUDULENT.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion will not allow access to the free annual credit report. I established an online account several years ago and have had no problem until today. 

The agent told me that to access my credit report, I would first have to cancel my current free account and then open a new subscription account. The agent did tell me that credit freezes and disputes could be handled with my current account, but I am unable to login into the account. 

It looks to me that Transunion is up to their old tricks of XXXX customers to improve their profits.
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about inaccurate and unknown things on my credit report, it's been more than 120 days after the fact and I have not gotten any reacts. Consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 120 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

Hello, I have been contacting Heartland ECSI via their website and contact number but no one returns my phone calls. I am currently unemployed and will need to reduce my monthly payment, the loan I have is a Perkins loan and I am currently submitting PSLF Loan Forgiveness waiver.