davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (VA)

On XX/XX/2018, my outstanding loan balance was {$650.00}. A payment of {$650.00} was due on XXXX XXXX and was received by PHH mortgage onXX/XX/XXXX. I  received a letter from PHH, dated XX/XX/XXXX, stating that a payment of {$700.00} was due by XX/XX/XXXX. I called PHH customer service and received the following additional information : 1 ) My payment from XX/XX/XXXX was not credited to my account because it was not received in the form of a certified payment ( wire transfer or bank check ) and did not cover the full amount of the loan which now included a Recording Fee. 
2 ) My payment from XX/XX/XXXX would be refunded to me after I paid the loan balance in full ( e.g. {$700.00} ). 
In response, I would provide the following : 1 ) I was never informed of and hold no correspondence from PHH prior to XX/XX/XXXX, including the original loan paperwork, indicating the amount of the Recording Fee nor of any requirement as to the form of the final payment. I was basically informed on XX/XX/XXXX what my payment amount due on XX/XX/XXXX was and because I didn't pay the correct amount they are still charging me interest on the loan. How can that be legal? 
2 ) If I had not made my regularly schedule loan payment as required by XX/XX/XXXX, I  would have been subject to an additional late payment fee. 
Given the procedures implemented by PHH to notify borrowers of these requirements after the maturity date of the loan it is impossible for the borrower not to incur additional interest charges and fees or to be required double remit their final payment.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On Friday, XX/XX/2018 I attempted to link my credit cards to the XXXX XXXX app as it is an extremely useful budgeting tool. I authorized the app to access my account details with both of my primary credit cards, XXXX it and Capital One XXXX. The XXXX card synced up fine. The Capital One card did not and the app showed a message saying that Capital One was blocking access to my information. 

I called Capital One customer service. The employee I spoke to said that the only supported third party app was XXXX. But she made a change in my account and then asked me to try to link the app to my account again. This time it worked. The app synced all my data and it worked. Then I thanked the employee and hung up the phone. As soon as I hung up, the app lost access to the account again. I tried to link it again and the same message popped up. " Capital One is blocking access ... '' I called again, and got another employee on the phone. They made a change and asked me to try again, and it worked. Then it stopped working as soon as I hung up the phone. Again.

I suspect Capital One is intentionally blocking customers from accessing their financial records via third party apps that have explicit authorization to do so. I suspect that customer service representatives have been told to allow such access temporarily during a support call, only to once again block access and leave customers under the impression that the app is somehow at fault and not Capital One.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (NY)

I have an unknown derogatory mark on my cerdit report .... I am unaware of this debit .... I have not done business with this company .... I have not received any letters .... this company has shown has a collector for XX/XX/XXXX .... I have not been notified! I have not done business with this company
Consumer complaint received 2018-07-13
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: EQUIFAX, INC. (GA)

In XX/XX/2018, I submitted identity theft information to Equifax regarding someone else 's information that is being reported on my credit profile. Enclosed in the packet was information from a lot of service providers who were attempting to collect on an alleged debt. This information was directed to a XXXX XXXX, and this person is not me. However, On XX/XX/2018 I received a document from a third party agency name XXXX. This company enclosed my entire identity theft packet. ( XXXX XXXX ). It included that Equifax was the company who sent them the packet. This packet included a lot of information regarding other companies. Equifax released all my PRIVATE information to a company who I do not know and this is a breach of Privacy. I am very upset as to what this has done. Now all my information is vulnerable.
Consumer complaint received 2024-11-20
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. (VA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a dispute to request that you guys verify information that you are reporting that I questioned on XX/XX/year>, XX/XX/year>, XX/XX/year> and still no response. I am aware of my rights to an accurate report as well as the XXXX  days allowed for investigation.
Consumer complaint received 2024-11-19
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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-07-13
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: Bread Financial Holdings, Inc. (CO)

Bought a shirt at XXXX, XX/XX/2016 at a local shopping store for a business meeting. Lady at checkout asked if I would like a discount and would just need a few pieces of info, 10 minutes later she is still filling out the form and asked why she needed my Social Security Number and proceeded to tell me that its standard to create an account and never once told me she was signing up for a store credit card and pulling my credit. 

Have called XXXX XXXX and closed the account. 

Looking over my report this account still shows up, and should of never been there in the first place.
Consumer complaint received 2024-11-18
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)

Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of : XXXX XXXX - Balance {$1000.00} XXXX XXXX XXXX XXXX - Balance {$160.00} XXXX XXXX XXXX XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} Portfolio Recovery XXXX - Balance {$1100.00} Upgrade XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX - Balance {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX - Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$6700.00} XXXX XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX - Balance {$3200.00} Affirm XXXX XXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Unknown Address ) These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections and address appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and address are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and address are the result of identity theft and fraud.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

Late payment In XX/XX/XXXX of county taxes that had been in escrow. 

Non reporting to Credit bureaus. Asking for reaffirmation of Bankruptcy when it's been done in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation (MD)

I check my credit at least twice a week due to identity theft last year. I noticed that a company called XXXX XXXX XXXX had an inquiry on my XXXX file dated XX/XX/XXXX. I called the company to ask them why they pulled my credit without my permission and they stated that they have a right to pull my credit because of a debt that I owed. I told them that I'm not aware of any bad debt and I have never received any information regarding the issue. They stated that they sent my information which is not true. I told them that they have violated my consumer rights and they have no right to pull my credit without my consent. I should be given the right to challenge and have them verify all information and resolve the issue there is absolutely no reason for this company to violate the protocol of a consumers rights.
Consumer complaint received 2024-11-18
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated

in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. F
urthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-11-20
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2018-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

NISSIAN Finacial high my name is XXXX XXXX I bought a XXXX XXXX XXXX for XXXX and they put another XXXX on top of it I am three months late I have ask them to help me lower the payment due to me being out XXXX they refused when I bought my car I had XXXX XXXX XXXX and we didn't no what was wrong with it my step father XXXX said mass sensor witch coast XXXX and XXXX say Altinater but don't no and it will coast XXXX just took look at it this is my first car and I got taken for didn't understand and was pressured in to brand new car instead used I want my payment to be the Same XXXX dollars more now XXXX more and about to lose it I need help getting into a new car or lowering payment .Please call XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TX)

Received an email saying my phone number changed on a US Bank account, which I dont even have. Then the next day ( XX/XX/22 ) got an email from XXXX saying I had a new hard inquiry. I called US Bank and they said a XXXX XXXX credit card was opened but that they were closing it down. I called all three credit agencies and placed fraud alert on accounts.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it had been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

I moved to XXXX from XXXX, XXXX and came back XXXX, XXXX, XXXX and I starting having calls from MIDLAND CREDIT MANAGEMENT on my new number I got when I returned regarding accounts # XXXX and XXXX in the amounts of {$1200.00} and {$720.00} respectively. I spoke to few their agents about the above accounts, I have no idea about both accounts, besides one of the accounts was opened while I was outside the USA, whilst the second one was open while I was here but the transactions on both accounts has nothing to do with me or my lifestyle as Midland tried to tell me some of the transactions. I tried many times to dispute this matters, no success and they still insisted as a result put some negative remarks on my personal credit report and I am not happy about that.
Consumer complaint received 2024-11-20
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request thatyou take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.