davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
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. (WI)

I have disputed several accounts on my TransUnion credit report that I believe are inaccurate or not mine. Despite submitting these disputes according to the Fair Credit Reporting Act ( FCRA ) guidelines, I have not received any response from TransUnion, nor have I seen any changes or updates to my credit report. This lack of communication and failure to investigate or correct these issues is a violation of my rights under the FCRA. The continued presence of these inaccurate accounts is unjustly affecting my credit score and financial standing.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (SC)

XXXX- Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. 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. Please provide proof and records of all payments made and missed since I opened this account. ''. 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. XXXX XXXX XXXX I XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) ( b )
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

Accounts reporting as charged off, i requested the 1099-c in regards to this account and was never provided that document. The irs clearly defines charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes this reporting of this account inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 usc 1681s-2 of your responsibility as a furnisher of information.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (WA)

I am trying to make additional payments towards the principal balance of my loan. 
The loan company continually applies these additional payments towards future payments instead of applying them towards my principal balance. Meaning I am still paying more interest on then principal balance because they are not reducing it the way they are required to. For example I have made my XXXX payment, I want to pay an additional {$750.00} towards the principal balance, they keep applying it towards future principal and interest payments. So it means I dont have a payment due until XXXX. 
This is the second month running I have had to complain about this. Please do not close this complaint until it is resolved. Just because the company provides a responsse, does not mean the issue is resolved.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was shopping at the local XXXX XXXX one afternoon, when I received a phone call stating that it was XXXX XXXX Bank, and they wanted to know if I had just purchased around {$110.00} worth of groceries, to which I answered yes. I then asked why, and was informed that they believed that there had been some fraudulent activity on my card, and would I have time to go over a few transactions to verify if I had been hacked or not, to which I replied absolutely, and the lady on the line went over around the last XXXX including the XXXX purchase. The XXXX prior weren't by me, and I let her know that. She then told me that she was going to credit those, keep my XXXX purchase on my statement, and close my card, it was no longer active, so I should just cut it up, and she would be sending me another one in the mail within the next XXXX to XXXX business days, which is what I did. I kept on getting statements on this card ending in XXXX, and I would call them every month, and explain the story to no avail. It just kept rising, so I told them it was not me, and I refused to pay for something I wasn't charging, nor because one of their employees didn't do their job that day like she told me she would. So I shouldn't be held accountable. They have since closed the account, and it has been sent to collections, and is revolving, and killing my credit score for years.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Hello, I have a loan account with NEWREZ LLC c/o SHELLPOINT MORTGAGE SERVICING with account number XXXX for property address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I noticed that there have been high escrow charges collected on the account for last couple of years and made a complaint on the same an year ago. There was not any resolution despite of me contacting them multiple times. When I contacted the provider recently, I came to know that they are paying taxes for an address that is not on loan file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. These are XXXX XXXX XXXX The original parcel that my property is located is from XXXX XXXX is XXXX. I am really shocked and wondering why a mortgage company would pay taxes for an address that is not on file. When asked the same, they have no answer. Request you to investigate this issue and kindly compensate all the additional payments made to the tax collector ( XXXX XXXX ) for the last 2 years along with additional compensation for all the inconvenience
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (IN)

XXXX bank gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from Citibank as well, the debt was from XXXX  if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..
Consumer complaint received 2024-01-25
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. (OR)

Department of Education had sent the updated status to all three credit bureaus : Transunion, XXXX, & XXXX. 

Transunion and XXXX did not update the remaining loan per the Dept. of Education status to the bureaus. 

I contacted Department of Education on multiple occassions including today to confirm status update. They informed me that they had sent the updates to the three bureaus over 12 months ago. 

Transunion XXXX XXXX has still not updated the correct information : Stating : " Loan/Account number : XXXX, Original date of account : XX/XX/2010, Original amouont : {$57000.00}, is satisfied, paid, no lates, and should be deleted. ''
Consumer complaint received 2024-01-25
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-05-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Dear Consumer Financial Protection Bureau, I am disputing the following information on my credit reports from XXXX, XXXX, and XXXX. 

Account Number or other information to identify account : Aaccount number is XXXX, which is a Collection Account. The account had been paid in full with the original utility company XXXX XXXX XXXX XXXX XXXX and is closed in XXXX. 

Source of dispute information : TRANSWORLD SYSTEMS LLC. 

Type of disputed information : The information on my credit file is inaccurate. I need assistance with removing it. 

Dates associated with item being disputed : The date on all of my credit files is showing XX/XX/XXXX. However, I paid my account with XXXX XXXX XXXX XXXX XXXX in full last year, in XXXX. 

Explanation of item being disputed : My credit report shows an account with TRANSWORLD SYSTEMS LLC, but I don't owe them anything. My initial account was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I paid in full in XXXX. I don't know why TRANSWORLD SYSTEMS LLC is on my credit report, as I've never paid any bills late. I always set up autopay to ensure that payments are made on time. 

I have no records of owing TRANSWORLD SYSTEMS LLC anything. I have no prior interactions with this company and yet I have a collection account with a {$0.00} balance. 
The report shows that I owed money to the company. However, I already repaid the original utility company in full last year. I am attaching proof of payment. 
I would like to bring to your attention that the current status of my account is not correct. According to the report, it shows that I am delinquent, but I want to clarify that I have made all my payments on time. I have never had any balance with TRANSWORLD SYSTEMS LLC. 

The reporting is completely false and inaccurate. Therefore, I kindly request you to update and remove this information from my credit file. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

My Jetblue Barclays credit card was used to purchase at XXXX XXXX XXXX on XX/XX/2024 ; I informed the company that the card was in my possession and that I was not the person making those purchases. At the moment, they removed the charges from my account. However, this month, I received a statement with the reverse charges and an explanation that says that the fraud investigation team found the charges legit because I told them that the card was in my possession and according to their policy and rules, their chip can not be replicated and I have to take responsibility of those charges. I offered to send a copy of my passport to prove that I was in the US when those charges were done, but they did not guarantee that that would help. I feel very frustrated because those chips are being replicated or the thieves are using something to steal the information. The Barclay credit card company is not helping its customers resolve these fraudulent transactions. 
Below are the charges I am being forced to pay for : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} Total purchase activity for this period {$320.00}
Consumer complaint received 2024-01-25
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. (GA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} - previously Late Open XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-01-25
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. (PA)

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX CREDIT XXXX XXXX CREDIT XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I recently reviewed my credit report and observed inaccuracies related to late payments on my account with XXXX XXXX XXXX. I want to clarify that I have not been late on this account, and I kindly request the immediate removal or correction of these inaccuracies. I believe there might be a misunderstanding or error in the reporting, as I have consistently made timely payments.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (AL)

The retail store fraudulently signed me up for a promotion which they marketed stating the entire amount of the purchase would be zero interest for six months but it was only for {$490.00} which was a scam! 


When I notified This lending institution regarding this scam they instructed me to speak with the retail store manager.. They did not have any documentation about the type of promotion only the amount of {$490.00}. They basically XXXX the blame back onto the retail store.. I am the consumer that was scammed and now paying interest on the entire amount which was supposed to be zero interest for 6 months but being charged 27.99 % each month.. predatory lending and false promotional offers is disgusting and this institution needs to be investigated!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has come to my attention that my credit with you has been compromised. I note with concern that despite multiple attempts and the submission of an FTC fraud report # XXXX, you have not taken action to REMOVE items, particularly these fraudulent accounts. This marks my eleventh attempt to notify you that I am a victim of identity theft, and I submit this complaint to dispute these items, specifically the accounts in my file resulting from the crime. The items in question do not relate to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Kindly remove the reporting of these accounts and their information from my credit file, as they resulted from an alleged identity theft. Attached to this complaint is my newly filed FTC report # XXXX : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX I, XXXX XXXX Balance : {$2000.00} -- -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}. These accounts are unknown to me, and I express doubts about their accuracy, considering that the information on these accounts has been DELETED from other bureaus. The reported payment history on these accounts remains a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, and in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-25
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth collection agency is attempting to collect a debt that has already been paid by my insurance company. This particular debt keeps on Being sold to collection agencies. Who in return report a paid account to my consumer report. I am currently taking legal actions against XXXX XXXX the original creditor regarding this matter. And will add Commonwealth to litigation if need be. If Commonwealth have any questions to please contact my attorney at XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX