davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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. (TX)

After investigation was completed by TransUnion back on XX/XX/2024, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. TransUnion continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?
Consumer complaint received 2023-02-16
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. (MI)

I have been disputing these items a long time. The other bureaus already removed some negative items on their file because of inaccuracies. But some agency still reporting these negative items account on my credit report. Only your agency is reporting this account negatively and that is a violation of 15 U.S. CODE 1666B.
Consumer complaint received 2023-06-05
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-11
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. (VA)

This account was charged off on the following date ( XX/XX/2020 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT INCLUDE AN ACTIVE PAYMENT HISTORY. This inaccurate information falsely manipulates the statute of limitations. This account should be investigated properly and deleted for the negligence and violation of my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (PA)

There are a few collection accounts in my consumer reports that I was NOT aware of and I had sent a dispute to the consumer reporting agencies to get this information removed from my consumer report. It has been 2 months since I have sent them the notice and I have not received a response which makes me question if they are even doing their job. The accounts goes as follows ; XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX XXXX Account # XXXX ]. I will also be submitting a complaint with the cfpb against those collection agencies as they did not follow the procedures of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-17
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc (NY)

I bought this Laptop on XX/XX/2022 on XXXX and the Affirm company is paying for me and I have to reimburse Affirm with interest.I received a message from XXXX and XXXX to inform me that they didn't deliver this laptop because there is no one at my house to sign, the next day I received another message than thislaptop had delivered to my home, when I arrived at home don't saw nothing.I contacted XXXX and Affirm, they promised me they would open an investigation and After 3 day 's they will contact me, they never contact me.I contact them multiple times and they informed me that I have to wait. Few months later XXXX told me that I have to go and failed a police report and I did went ahead and proceeded by doing so and, contact the merchant again which is XXXX and they informed me that I have to get the police to called them the merchant and I informed the police officer about it and they told me that they dont call merchants, the merchant should be the one reaching out to them because the report that he wrote have all the contact information.After several months of struggle going back and forth between XXXX  and Affirm, XXXX told me to contact XXXX  and I did that but XXXX  told me it's too late I should do that before 90 days.Now Affirm has decided to send me to the credit collection department XXXX because I refused to continue pay this laptop which I never received.I can't pay for something I never received.
Consumer complaint received 2023-07-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CT)

This loan exist as Adjustable Rate Mortgage with XXXX XXXX XXXX XXXX since XXXX. Interest rate is calculated using a published index The XXXX XXXX Offered XXXX ( XXXX ). XXXX is being discontinued after XX/XX/XXXX XXXX, A replacement index based on the SOFR secured overnight XXXX XXXX will be used after XX/XX/XXXX. 

Who is responsible and how they will implement the transition? 
According the Regulations Implementing the Adjustable Interest rate ( XXXX ) act a rule by the Federal Reserve XXXX on XXXX transition should happened. 

According the note the interest rate change every XXXX mounts. XX/XX/XXXX rates ends. 
Interest rate is schedule to change again with payment on XX/XX/XXXX to XXXX this 6 months period mast transition to a replacement index based on the XXXX. 
Multiple calls to loan servicer regarding that issue was interpreted that I do not understand and I am misinformed and there is no transition. Loan is going to continue with interest rate calculated using XXXX.
Consumer complaint received 2024-05-11
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. (OR)

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 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX, Account name : # XXXX XXXX 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then 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 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc. (NY)

RTR FINANCIAL Sevices , Inc is clearly in violation of the FRCA and FDCPA. I have receive a letter from them stating I owe a debt, in which I never gave them consent to send me any mails, also never gave them promission to contact me at my place of business, nor to contact me at any location.The stated Statutes are the violations I am reporting to you CREDIT FININACIAL PROTECTION BUREAU for redress and enforcement of law, as I accept your Oaths of Office and bind you to it, when handling such information listed here : Violation 1 ; 15 USC 1692 ( c ) ( a ) states. communication with a consumer generally without the prior consent of the consumer gived directly to the debt collector [ RTR Financial Sevices , Inc ] or the express permission of a court of competent jurisdiction, a debt collecter may not comminunicate with a consumer in connection with the collection of any debt.VIOLATION 2 : 15 USC 1692c ( 3 ) states such debt collector shall not send a comminunication to a consumer eployer place of business in which the debt collector should of checked to see that XXXX XXXX XXXX XXXX XXXX is listed on the credit report as the Consumers, place of employment, and has a address of XXXX XXXX XXXX XXXX XXXX New York XXXX as listed on the Department of State of New York Website for any one to view, also the consumer works at another business named XXXX XXXX with that same address as recorded with the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX which also can be viewed.they are also in VIOLATION 3 : 15 USC 1692b ( 5 ) which states the use of any language or symbol on any envelop or IN THE CONTENTS OF ANY COMMUNICATION effected by the mails or telegram that indicates that the debt collector is in the debt, collection business pr that the communication relates to the collection of a debt in which they are in clearly in violation of by sending me the letter [ see attached ], further they are also in VIOLATION 4 of 15 USC 1692 ( b ) ( 2 ) the debt collector shall not state that such consumer owes any debt, in which on the letter they sent says I owe {$490.00}. VIOLATION # 5 15 USC 1681 section 602A state I have the right to privacy, as they are not respecting the law and my right to privacy.Also I never gave them consent to use my name or any of my information and do not have any contract with that financial agency. Which is also comitting Identity Theft as they are using unauthorized information without the owners consent.
Consumer complaint received 2024-05-11
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. (MD)

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with XXXX XXXX, and it was reported on [ Date of Report ]. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$2500.00} - Account Type : Credit Card - Status : Closed - Remarks : Charged off as bad debt, Canceled by credit grantor I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX. 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information. 

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. 
- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-11
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. (NJ)

MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLAESE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES. IM GON NA GO TO COURT.
Consumer complaint received 2023-04-17
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: LEXISNEXIS (MO)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, D.C. XXXX, Law Firm XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I placed an order with XXXX. I authorized them to charge my PayPal {$3.00}. The remaining amount of the order was authorized to be paid with SNAP benefits ( everything qualified for EBT except one item that was $ XXXX which totaled to {$3.00} ). I entered my EBT pin on the website as usual and immediately got confirmation of the order, as it always does. Later, I learned that XXXX charged the entire order ( {$210.00} ) to my PayPal account which only had {$10.00} in it so they tried to charge my bank account for {$200.00}. My bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca ) has denied the charge, but charged me an overdraft fee of {$31.00}. Paypal is now asking for me to pay them {$200.00} and is sitting with a negative balance. I never authorized the amount charged to begin with and I definitely didn't authorize PayPal to carry a balance like a credit card. They should have denied it due to lack of funds to begin with. There wasn't enough money in any account of mine to cover a {$210.00} charge. Hence why I was using my SNAP benefits for food. I contacted XXXX multiple times. 2 reps said they would refund my money as it was a glitch in their system that made the mistake and charged the wrong payment method, but they never did and i never received the confirmation email about it as they said i would. I filed a claim with PayPal but they denied my claim stating it wasn't a billing issue and are now demanding I pay them the remaining balance {$200.00}. I never authorized that amount, I never authorized them to carry a balance, i have been charged a fee from my bank that is not my fault. I don't know where else to turn. I'm low income and budgeting isn't easy, but I manage. I can't manage or afford to pay for something I didn't authorize to begin with. I don't understand why it wasn't just denied since the funds weren't there. I can't understand why PayPal won't issue a refund because the charge was never authorized. XXXX has admitted the mistake was due to a glitch in there system but won't refund the amount taken. They said to contact PayPal. I contacted PayPal and they said to contact XXXX. I don't know where else to turn.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Universal Payment Corporation (CA)

How are you? Hope all is well. Just wanted to relay a message. I received a message that I am past due. Due to my XXXX XXXX I have not been accomodated properly by Universal payment Corp. 

I am an XXXX  XXXX military veteran that served my country. I have all the proof that i've made payment consecutively. I am asking that you cease with these false allegations under the Fair Reporting Credit Act.

I haven't been late for 30 consecutive days.Universal Payment Corp hasn't sent me any correspondence saying i'm 30 days past due or anything saying Im past due or late. 
Ive been homeless, experiencing financial hardship and the death of a spouse. 

As a a XXXX  service member I am asking that you respectfully cease with these false reports this is unethical and unconstitutional as a XXXX military veteran and citizen of the United States of American. 



XXXX XXXX XXXX XXXX Military Veteran XXXX
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
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. (IN)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-11
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. (TX)

After investigation was completed by TransUnion back on XX/XX/year>, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. TransUnion continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

XXXX XXXX Account # XXXX Account Balance : {$3100.00} XXXX XXXX XXXX Account # XXXX Account Balance : {$3700.00} XXXX XXXX XXXX Account # XXXX Account Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Balance XXXX XXXX Unknown I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 I made a mobile check deposit on my phone into my personal account. The check was made out to me for {$1500.00} from my employer. In error I posted the check in question for {$1000.00} instead of {$1500.00} to my checking account. Bank of America caught the error in their system and made the correction on my behalf. They sent an email to confirm. However, Bank of America decided to hold funds for an excessive amount of time, 9 days until XX/XX/2023. I checked with my employer who have informed me the funds were cleared XX/XX/2023. I reached out to BOA and spoke to manager XXXX # XXXX. I explained to him it was an error I had made on the mobile app system and that the funds were needed to pay my mortgage which is now late. I also requested documentation in their policy where they could legally hold funds that long. I got no answers and insisted I have to wait til XX/XX/2023. This is a financial hardship for me. Can anyone help.