davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Summit Financial Corp. (AL)

i believe this company is practicing unfair billing practices because every month I 'm paying my bill on time and my payment is purposely getting lost. I need them to remove the late remarks from my credit that were all due to their mistake.My credit worthiness is very important and defaming my character creates a misrepresentation of who I am in the eyes of lenders.
Consumer complaint received 2017-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (LA)

On XX/XX/2017 the Security Finance called my daughter on her cellphone number that was given as a reference ; told her your parents are 3 months behind on their payments with us- they owe $ XXXX amount and need to come in to take care of this. On XX/XX/2017 we contacted the Finance Company told them that was not proper to call and give out that information and the response was is XXXX XXXX still sick and in the Hospital oh but if you pay this amount we can re do loan but I 'm sorry for that - meaning the information given out. Even after I stated you are not allowed to give out that information I was told I know you are right but it was not me.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX TransUnion/ XXXX / XXXX XXXX XXXX  Account Number : XXXX TransUnion/ XXXX/ XXXX XXXX Account Number : XXXX TransUnion/ XXXX/ XXXX
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

This company has illegally re aged this alleged debt that I owe. They have also reported their debt collection agency as a an open account on my credit report. which makes it seem like I opened new accounts and defaulted on them. these deceptive practices have hurt my chances to obtain credit. Now I will be forced to take legal action against this agency unless they delete these erroneous accounts from my credit report immediately.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I refinanced my home that I built with XXXX in XX/XX/2004 and they later sold my loan to XXXX being that XXXX was not allowed to practiced mortgages any longer. I paid any attorney in the past the initial fees, but it was too much. They stated that the loan with XXXX was a Predatory Loan and that I should be able to get out of the mortgage free and clear ; but they want money up front, and I could not pay it up front. 
I did get a modification before and I fell behind again because I had to stop working because of health reasons and I was in and out of the hospital. I reapplied for a modification and they are saying I do n't qualify although the income is the same or maybe even more. Now they are saying XXXX XXXX  is foreclosing on my home.
Consumer complaint received 2017-10-10
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. (CA)

I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX. Also, Another proof that this company did not investigate, there is a certain item on the account that I disputed and still remains as verified, correct and accurate. XXXX XXXX. If this company really did an investigation, I am interested to know how. According to XXXX : " XXXX XXXX  XXXX '' XXXX control is already out of business. So, I am quite surprised when this company claims they did an investigation and the item was verified. There is no assurance that this company really conducted an investigation.
Consumer complaint received 2017-10-10
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. (FL)

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/XXXX.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Ordered items from XXXX XXXX never received the items XXXX XXXX agreed to remove from credit reports was removed from XXXX  and XXXX XXXX but XXXX never removed it from credit report
Consumer complaint received 2024-11-04
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. (OH)

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries : 1.- XXXX XXXX Inquired XXXX XX/XX/2023. 
2.- XXXX  Inquired on XX/XX/2023. 
3.- XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2023. 
4.- XXXX  Inquired on XX/XX/2023. 

Legal Basis for the Dispute : Under Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and correct any inaccurate or incomplete information in my credit report. Failure to correct inaccurate information after an investigation is a direct violation of the FCRA. Additionally, Section 604 ( 15 U.S.C. 1681b ) specifies that credit inquiries may only be made for permissible purposes. The inquiries listed above were not authorized by me and do not serve any permissible purpose under this law.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 10 % Balance {$50.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$500.00} 0 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} {$500.00} 10 % Revolving Negative XX/XX/XXXX These two accounts are the same and are being reported inaccurately in the fact they are the same company and are trying to appear as the same debt is 3 deliquent accounts instead of just the one original one. In addition to this, the terms and amounts of debts are all incorrect and being reported inaccurate. I asked for this account to be validated in writing from the original creditor once I saw it being reported on my XXXX Credit Report. I was not even sure I owned this debt to begin with. The company told me they would not mail me a validation, but would mail me the current bill not including the intrest as that could not be calculated until the final bill was paid. I was unsure how this made no sense but still said I needed a validation letter as well. Regardless, I received neither. In addition I was never notified in writing that the debt had been sold to a new collection company so that they could at least provide me with the deatils of this account that I still am not sure it is mine. I know XXXX XXXX has been involved in law suits with consumers recently and came to court unprepared to show proof of ownership and have had many complaints filed against them regarding their unscrupulos and fradulent debt collection practices.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am experiencing a persistent issue with my TransUnion account appearing as frozen, despite all indications that it is not. I have already confirmed through the TransUnion site that the freeze is lifted, and a representative confirmed by phone that no freeze is in place. I have also ensured that all other credit bureaus are unlocked and unfrozen, yet every time I apply for credit, I receive a response stating, 'Your TransUnion report is frozen ; please unfreeze and reapply. ' This error is now disrupting my home-buying process, creating unnecessary delays and complications. I am requesting immediate assistance to investigate and permanently resolve this issue to prevent any further harm to my home purchase timeline. Please treat this matter with urgency. ''
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint against TRANSUNION, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights. 


3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

This complaint is about Coinbase. On XXXX XXXX XXXX XXXX I initiated a transaction to buy bitcoin. Total amount was {$7500.00}. 
This amount was withdrawn from my bank on XXXX XXXX. But this transaction is still pending as of XXXX XXXX and bitcoin has not been deposited yet. 

I have contacted customer service several times and no response yet. Due to lack of response for CS I am wary of doing any transactions with Coinbase. If a transaction gets stuck there is practically no recourse with this company. This means that all my money from in the account is stuck. 

Customer Support Case id is XXXX.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

I opened an account with Key Bank on XX/XX/XXXX because of a promo that they were running in which I was to get {$200.00} if I had my check direct deposited. I arranged to have my XXXX check deposited and on XX/XX/XXXX it was deposited into my account. 
On XX/XX/XXXX I contacted the bank and was told that the money would be in my account on XX/XX/XXXX at XXXX. I checked my account at XXXX XXXX XXXX XXXX and the money was not in my account. 
I contacted the bank and they told to me to contact the head office and they gave me an XXXX number to call. I called that number and after an hour they told me that I was not eligible for the money. 
When I opened the account I was told that the only thing I needed to do was to have direct deposit within 60 days, which I did. After I was on the phone for an hour they told me to go to the branch that I opened the account at. 
I went to the branch that I opened the account at, located at XXXX XXXX XXXX, XXXX, NY XXXX and they told me I did n't qualify for the {$200.00} because I had a negative balance in my account. I was never told that I had to maintain any amount in my account in order to get the money, other than to have a direct deposit set up. 
The card that I was sent by the bank in order to get the {$200.00} only stated that I needed to have direct deposit set up within 60 days. 
It seems to me that they just do n't want to pay out the monies that they said they were going to do. They have told me that the monies would be there no problem and then when it came time for it to be in my account it was never deposited. From talking to other people I 'm not the only one that they have not paid when it came time to do so. 
The only thing I am asking for is for them to honor their word and put the monies into my account. 

Sincerely ; XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

I opened up a PNC Virtual Wallet online on XX/XX/2017. There were requirements ( to  receive a {$300.00} bonus ) of 1 ) $ XXXX or more in direct deposits within 60 days of opening and 2 ) 10+ debit card transactions within 60 days of opening. I met both of these requirements ( I had 3 {$2100.00} or so deposits from XXXX XXXX and did 12 debit card transactions ). It has been almost 3 months since I met these requirements and yet PNC has not credited me with the {$300.00} bonus for meeting these requirements.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$860.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
Date of Last Activity : Inaccurate High Balance : Inaccurate Date Reported : Inaccurate Account Name : DOE XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the egal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 17 late payments. On my Transunion report there are 12 late payments being reported. 

Account Name : XXXX  Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either incorrectly reported or have already been addressed, and I request a thorough investigation and correction of the errors. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and substantiate my claim. Please investigate this matter promptly and ensure that my credit report is updated with accurate information.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (CO)

I spoke with XXXX XXXX XXXX XXXX He berated me over the telephone requiring me to send him personal information to prove that I pay for my own car payment and that my family is not receiving outside assistance to pay the monthly payment on my vehicle loan. He demanded much more private and personal information such as my ssn and my bank account number and home address and such. This loan is for my parents and yet I am receiving phone calls over and over and harassing emails from this individual about sending him the correct information including my social security number that I refuse to give.
Consumer complaint received 2017-10-10
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. (CA)

I submitted a request for XXXX XXXX XXXX via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX  pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month TransUnion and XXXX have refused to supply the report. 

This has been the pattern for several years now AND TransUnion and, particularly XXXX contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.