davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (KY)

I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX, TransUnion and XXXX for their failure to remove an inaccurate collection account from my credit report, despite multiple attempts on my part to resolve the issue. 

The account in question is held by XXXX XXXX XXXX, This account, was inaccurately reported on my credit report dates XX/XX/XXXX. I have never had any dealings with XXXX XXXX XXXX or XXXX XXXX, and this account does not belong to me. 

On XX/XX/XXXX, I sent a dispute letter to a ; ; aforementioned credit agencies requesting the removal of this erroneous account. In compliance with the Fair Credit Reporting Act ( FCRA ), I provided documentation proving that this account was incorrect. Despite this, they failed to remove the account, instead choosing to maintain this inaccurate information on my credit report. 

On XX/XX/XXXX, after the CRAs initial refusal to delete the account, I sent a second, more urgent dispute letter. In this letter, I reiterated my demand for removal and referenced the specific section of the FCRA15 U.S.C. 1681i ( a ) which mandates a reinvestigation of disputed information within 30 days. I clearly outlined that if the account was not deleted within 15 days, I would escalate the matter by filing formal complaints with your agency and the Federal Trade Commission ( FTC ). 

Unfortunately, as of XX/XX/XXXX, the CRAs have failed to comply with its obligations under the FCRA. Given the continued presence of this inaccurate information on my credit report, I believe that both XXXX XXXX XXXX and the CRAs are in violation of federal law, specifically the provisions designed to protect consumers from the damage caused by incorrect credit reporting. 

This inaccurate information has adversely affected my credit score and could potentially cause further financial harm. The negligence displayed by both XXXX XXXX XXXX and the CRAs is unacceptable and has forced me to take this matter to your agency. 

I respectfully request that the CFPB take immediate action to address this issue. I seek the removal of the erroneous account from my credit report and a full investigation into the practices of both XXXX XXXX XXXX and the CRAs concerning this matter. Additionally, I request that any negative impact on my credit score resulting from this error be rectified. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (FL)

I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-26
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX, XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to Transunion as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from Transunion stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue. On XXXX XXXX, XXXX, I sent a copy of the FTC report as well as a letter of the accounts and inquiries, which were the result of fraudulent activity and/or theft. However, on XXXX XXXX, XXXX, I received a letter from Transunion stating the company could not block these identified accounts as well as place the ID theft block on my account to have the creditors contact me if my credit profile is accessed by firms. This is a problem with having commercial companies whom can manipulate my finances throughout the course of my life.
Consumer complaint received 2017-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both XXXX and transunion that they closed the account and dropped my credit score by XXXX points in both cases, transunion XX/XX/XXXX and XXXX XX/XX/XXXX. i called XXXX they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX
Consumer complaint received 2017-12-23
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. (LA)

Hello, I have contacted companies on my credit report that you ( transunion, XXXX XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX, its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to transunion and XXXX when they investigated they removed and corrected debts not owed by meXXXX XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX. Thanks XXXX and transunion for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft residing in the state of California. The fraud event has been reported to the police and a police report has been filed. 

I have recently placed a security freeze on my Experian account. On multiple instances I have attempted/completed a request for a temporary lift of the security freeze. In every instance Experian has charged me {$10.00} for the service despite my documented identity theft - a direct violation of applicable consumer law ( s ). 

Experian 's customer service is inaccessible and I am unable to accurately report the issue or discuss the process for correction directly with a company representative. Instead, I am directed through an extended and inapplicable automated system and the call is arbitrarily terminated without addressing any concerns. 

Experian has developed a system that does not appropriately allow consumers to contact their agents and/or address complaints or issues - including those that may be associated with violations of consumer law ( s ).
Consumer complaint received 2017-12-23
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: Experian Information Solutions Inc. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX/XXXX/2017 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2017-12-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IN)

I have previously submitted 2 complaints about this company and situation. Previous complaint # XXXX and # XXXX. Pertinent documents were attached with the previous complaints.The saga continues. I had XXXX this year and made a payment arrangement with the mortgage company to spread the payments I would miss over a course of months. I received a signed letter from the company stating what the arrangement agreement was. A month later I received a letter stating I take a loan modification or face foreclosure. That problem was supposedly resolved after the 2nd complaint to you. On XXXX XXXX, XXXX at XXXX XXXX I spoke with XXXX at XXXX XXXX about a payment made and advised her it was guaranteed to be received that day. She proceeded to ask if this was the amount on the loan modification that was showing on my account. Imagine my frustration and disgust that this company is still trying to bully me into this modification. A loan modification would benefit them by extending the terms of my loan and give them added interest payments on that loan. I informed her there should not be a loan modification and asked why it was still showing. No answer to that. I fear that this will be an on going problem and this company has shown over the years that they ca n't be trusted. My mortgage was sold to XXXX many years ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening. I sincerely wish I could get this mortgage into a more reliable and trustworthy company.
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

My spouse started buying this home in XXXX. He XXXX in XXXX. He had mortgage insurance that paid XXXX on a house purchased for XXXX with XXXX being paid when we bought it. We do not have taxes included in house note just insurance and lender placed flood insurance. I am the spouse and my credit is not good. My interest rate on this loan started at 9 % and now it is 7 %. I owe XXXX according to their records. We had a thirty year mortgage. I do n't understand since we paid XXXX in XXXX and I am paying more than 300 in interest each month on such a low principal
Consumer complaint received 2017-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC (GA)

I took out three installment loans with Big Picture Loans in XX/XX/XXXX. The first was on XX/XX/XXXX in the amount of {$220.00} with an interest rate of 697.0807 %. It has been paid in full. The second was taken out on XX/XX/XXXX in the amount of {$600.00} with an interest rate of 697.0929. It has been paid in full. The third loan was taken out on XX/XX/XXXX in the amount of {$1500.00} with an interest rate of 485.0505 %. I stopped making payments on this loan when I discovered that this loan, along with the other two loans are illegal in the state of Georgia, which is my state of residence. According to Georgia 's interest rate laws, the Legal Maximum Rate of interest for any loan {$3000.00} or less is 16 % and only simple interest. ( 7-4-2 ) The Penalty for Usury ( Unlawful Interest Rate ) is forfeiture of entire interest and a criminal penalty. ( 7-4-10 ) ( 7-4-18 )
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

On XXXX XXXX, XXXX, there was an attempt to transfer XXXX Litecoin from the cryptocurrency exchange XXXX ran by Coinbase, to the cryptocurrency exchange Binance. To transfer cryptocurrency from one exchange to another, it should take only as long as the blockchain takes to confirm this transaction, as no bank processing is involved. Stated on the Litecoin blockchain explorer site, transactions are confirmed after six transactions. Currently, XXXX XXXX, XXXX, my transaction has XXXX confirmations and still counting. My LTC transaction hash is, XXXX. By searching this hash on, XXXX XXXX XXXX the transaction can be found. XXXX Litecoin is roughly equivalent to {$1300.00}, which is a decent amount to be missing for 10 days now with absolutely no response from the company. I sent the company a support ticket but still have not received a response, and the problem seems to be shared across a lot of users according to social media. 
Because there has been no type of response or acknowledgement of this issue, I am afraid my funds may not reach my account. I would like to know more about filing a lawsuit against Coinbase and XXXX for financial mismanagement. If this can not be done, I am curious as to what regulatory standards this company is being held to concerning their legal financial management. 

Thank you.
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (CA)

XXXX XXXX XXXX and the affiliate company Halsted Financial is continuing to attempt to illegal collect on a unverified debt and use illegal practices. XXXX has Halsted call numerous times a day from a unknown number, when you pick up the caller does not answer, instead you have to call them back, when calling back and asking who the number belongs to, they refuse to answer, only saying we will get to that later repeatedly asking who is the caller they refuse to identify themselves until they collect skiptracing information such as phone number, address, ssn, ect. They also call prior to XXXX and claim that they can call you becuase the companies location it is later, regardless of the time zone you live in. They then threaten litigation on a debt pass the SOL that they know can not be litigated on. The following day, more of the same. Calls to XXXX do not solve the issue.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

I recently charged {$1.00} for a subscription service through XXXX. XXXX is linked to my checking and savings through PNC bank. While I meant to charge my checking, somehow my savings was charged. I do not keep anything in this savings account because I bank elsewhere. The {$1.00} charge caused an overdraft and a {$36.00} fee, of which I was unaware until five days later. By the time I was made aware, another {$36.00} fee had compounded on top of this. It is outrageous to expect me to pay {$72.00} over a {$1.00} incidental charge.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

On or about XX/XX/XXXX and XXXX two fraudulent charges in the amount of {$150.00} plus a {$5.00} ATM fee was withdrawn from account. I noticed it on the XXXX and immediately went to Chase bank to inform them of what happened. They cancelled my debit card and reissued me another XXXX ; they also reversed the transactions pending an " investigation ''. About 2 weeks later I notice that the money was taken again from my account. When I called the investigation team at XXXX they informed me the claim was denied because " you used your pin at the XXXX XXXX XXXX in the XXXX ''. I live and work in XXXX, La. I asked them what do I need to do to prove that I was not in the XXXX so I can get my money back. They informed me I need to provide documentation that I was not in the XXXX. I had my employer write a letter and provide the time sheet proving that I was not in the XXXX. I went into the branch a few days ago and was told they had my information and I should receive a refund in 1-2 business days pending " investigation ''. Well today I checked my account and I still do not have my money back. I called the investigation team again and was told the claim was denied again because " I used my pin ''. I was not in the XXXX and I proved it to them, yet they still refuse to refund my money. Please tell me what more needs to happen for them to understand I did not leave the country, I was never in the XXXX and I did not complete this transaction.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

Six {$100.00} gift cards to XXXX XXXX XXXX were purchased in 3 separate {$200.00} transactions fraudulently using our PayPal account. PayPal sent me a text On Monday XXXX XXXX we received a text message from PayPal indicating there was suspicious use of our PayPal account that day for a XXXX XXXX XXXX gift card for {$200.00} - they asked us to respond if this was an authorized transaction and asked for a reply. We replied No right away and PayPal replied back in a text that they would open a fraud case and follow up with us. On a follow up emai, they indicated in an email that they reviewed the claim and were denying it. The dispute case is XXXX, PayPal did not inform us of an additional 2 transactions with XXXX XXXX XXXX for {$200.00} each or we would have indicated those were unauthorized also. We also contracted XXXX XXXX XXXX on XXXX XXXX and they inundated they would attempt to close down the specific gift cards and we should be able to identify the PayPal transaction we think through our email address but ate not sure if that is occurring. XXXX XXXX XXXX INDUCATED THEY WERE HAVING MANY ISSUES WITH GIFT CARDS PURCHASED FRAUDULENTLY WITH PAYPAL ACCOUNTS.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

Citi bank is in the process of transferring the XXXX XXXX XXXX XXXX card portfolio to XXXX XXXX. I do not want my account transferred. I asked them to switch my card to a different Citi Bank credit card product. They refused. I want to retain my credit card account at Citi Bank. Please help.
Consumer complaint received 2017-12-23
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: Experian Information Solutions Inc. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX and I noticed an unauthorized inquiry had been made. 

I contacted bank of anerica, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,