davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
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. (CA)

On XX/XX/2020 I received a notification from Transunion for an inquiry made by XXXX XXXX ( see attached snapshot ) but without any contact details. I have never heard of XXXX XXXX nor did I give anyone permission to make said inquiry.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CFPB along with credit reporting agencies are obviously not clearly understanding the fact that I have had to report this company over and over because they continue to report INADEQUATE information which is illegal on my credit report. The credit reporting agencies ( XXXX, TRANSUNION & XXXX simply contact XXXX and they report the information as validated when it is not accurate. CFPB has indicated that it is duplicated information when it is clearly not a duplicate if the company is still reporting erroneous information. 

I am resending a copy of the notification that I submitted that shows that what they are reporting is NOT accurate if someone takes the time to read what I am providing as documentation. XXXX reports that I owe a total of over XXXX which was initially been reported as a charge off. Now it is being reported as a delinquent account. 

The documentation shows that they originally stated that the amount owed was XXXX. XXXX reports this account as delinquent every month which should not occurs since this account was reported as a charge off.
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My mortgage was sold to PHH Mortgage from XXXX XXXX in XX/XX/2021. PHH Mortgage claims that XXXX XXXX did not release all the funds in the escrow account. As a result they are charging me the money they claim they never received and the money which I pay for the escrow for tax purposes I have to pay out of pocket. 

For more than a year I have paid on time and at a higher rate than required. Instead of the required {$850.00} a month I have paid {$900.00} a month directing every time for the amount to go to principle. They have stated more than once it is because they have not received the funds from XXXX XXXX. 

I have filled my legal obligation in making payments on time and it seems to be breaking their contract with me for charging me for missing money they did not collect from a third party which I was not resolved in. If they have mismanaged funds which according to one of their Senior Account managers happens often on accounts it is not my responsibility or my debt.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NC)

I recently seen a report on my credit profile and seen I had a collection from a company that has not reached out to me once and also have not validated the debt they say I owe, Ive also filed an HIPPA complaint about the collection agency RMP Services LLC for receiving my protected health information from the XXXX XXXX XXXX XXXX. I am aware that this is a violation to my HIPPA rights and have sent a complaint through HHS.gov and asked them to remove this from my credit profile, I have yet gotten a response from RMP Service LLC the North Carolina branch and now I am filing a complaint with yall the CFPB in hope yall can get my problem handled.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (NC)

I was approved for XXXX Credit Card and received the card a few weeks later than promised. 

After receiving the credit card and getting everything set up with mobile app and auto payment, I noticed the amount of the credit card was reduced by {$150.00} instead of the {$75.00} fee that they outlined in my " Account Opening Disclosures '' documents. ( I have attached them for your review ) The annual fee was suppose to be {$75.00} initially, and my starting available credit was to be {$1100.00}. But what I am seeing is that they have charged me {$150.00} and my starting available credit is only {$1100.00}. ( Note that I have not used the credit card for any purchases ) I called on XXXX XXXX, 2023 at appx XXXX and spoke to a XXXX XXXX I explained the issue with XXXX and she told me that she did not understand why my available balance was not correct and that she was escalating the issue to the back for them to review and correct. She also said it would take about 48 to 72 hours to correct. I waited until XXXX XXXX, 2023 and checked and noticed that nothing had changed. 

I called a second time on XXXX XXXX, 2023 at appx XXXX and spoke to another XXXX who stated that she could see the issue and the notes from my 1st call. She stated that she was escalating the issue it should be resolved in in 72 hours. So today I have checked my account again and the issue has not been resolved.

At this point I feel that they are giving me the run around. I have attached the document that shows exactly what my credit limit is and what the annual fee should have been.
Consumer complaint received 2020-11-23
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. (NC)

I uploaded a letter to Experian, XX/XX/XXXX and XX/XX/XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XX/XX/XXXX or XX/XX/XXXX does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2020-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation (ID)

I was behind two months and was approved by Fairway to split the payments into 2-3 months, making my months payments larger to get caught up. After turning in all the paperwork and being approved I called well over 5 times trying to find out the status. I sent in payments due to never receiving a call back and trying to avoid any foreclosure on my home. The payments were returned. I then called again and was told by a representative that I was not approved to do this and they were not sure why I was told by the previous representative that this would be approved. I have sent in the requested paperwork to Fairway for a Loan Modification on XX/XX/2020 and over and over again but continue to get nowhere in this process. I had to reach out to a third party to help me get this issue taken care of. They have then run into the same issue that I have in the previous months. They are being told that they are not receiving the Faxed, uploaded and emailed information. I reached out to the 3rd party in hopes that they could help move this process along quicker but have had no success. I have sent in 4 payments of {$990.00} to this third party XXXX XXXX XXXX XXXX XXXX and have all the receipts. I have all emails saved pertaining to correspondences with XXXX XXXX and information sent to Fairway. 
Fairway is impossible and every representative says the exact same thing, paperwork was not received. I recently sent in the requested information and even had an email confirmation that it was received. I called on Friday XX/XX/2020 and was told by the Fairway representative that the paperwork was not received and they have put a hold on my loan modification. I provided the email of the confirmation email received to the Fairway rep, he then pulled up the email and said this will be forwarded to the correct support specialist that was working on my account. This has been going on for well over 10 months and no progress has been made.
Consumer complaint received 2020-11-23
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. (NC)

I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2023-06-21
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, 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 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.I, 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 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-17
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX of 2022 I was in XXXX for the weekend. I left my card at a bar. I called the bar a few days later and asked if they had my card and they said they shred all cards left over the weekend. I called Capital One to get a replacement card and they sent a card with the same number to me. Then on XX/XX/XXXX someone made 6 fraudulent purchases with my card. I called Capital One again and they sent me a new card number. The fraud department is holding me responsible for these charges since someone used the physical card for them, despite me not being in XXXX and the fact that I called after my card was lost initially and they proceeded to send me a card with the SAME number on it. The supervisor I talked to told me that I can submit evidence but refused to give me examples of what evidence. I told him I have a COVID test appointment/result in XXXX 2 days later but nothing on the day of. He essentially told me that I had no chance of winning this case even though I have not physically been in XXXX in months.
Consumer complaint received 2023-05-31
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 act XXXX  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.

15 U.S.C1681 168b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any reason.
Consumer complaint received 2022-04-26
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. (NJ)

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. 

XXXX Account # : XXXX XXXX XXXX Account # : 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16
81c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XX/XX/2023
Consumer complaint received 2022-07-31
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. (IL)

I asked the credit bureau to do a verification and investigation of the validity of this debt and they said they did however I am claiming inaccuracies and false reporting. In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 Section 602 A. states a consumer reporting agency can not furnish an account without my written instructions - XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-04-26
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. (NJ)

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. 

XXXX Account # : XXXX XXXX XXXX Account # : 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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: NRA Group, LLC (OH)

They sold your information to a third-party. You have been trying to work with them so they can take the information off my credit. Some of the stuff that is on my credit is not even mine so Ive been working with them to remove it, and nothing has been done, but they sold my information to a third-party.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit Bureaus never did a proper " investigation '' according to FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information. 
they did not do such thing. 
Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. 
the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal
Consumer complaint received 2020-11-23
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. (GA)

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX, Experian is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and XXXX  is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, Experian is reporting a payment status of Unknown and not reporting any late payments, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, Experian  is not reporting this account XXXX   is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Experian  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX   is not reporting this account, XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with an unknown past due balance and XXXX is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, Experian and XXXX are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.