davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite verified proof of total payoff of my loan account & verified release of title to me ( verified via my XXXX XXXX account ) recently I received a notice that XXXX XXXX has listed my account as " delinquent status '' with credit reporting agencies despite being paid off in full, irreparably damaging my credit history. This mistake has caused serious pain and psychological damage and demands financial relief. XXXX has yet to respond to my repeated requests to fix this and this fraud must be addressed and I need to be made whole given the grievous negative affects on my credit score as I am house searching. XXXX internal request XXXX
Consumer complaint received 2024-05-13
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. (NE)

XXXX XXXX opened a collection with XXXX XXXX XXXX for an account I've never had or received statements on. I've requested verification of debt and disputed with TransUnion but within 24 hours it states meets FCRA requirements, but no debt validation has been provided.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Onity Group Inc. (MI)

Phh please work with the CFPB moving forward to get your client XXXX XXXX XXXX out of my property now that appears XXXX XXXX finally confirmed in an letter case XXXX and connected my property XXXX XXXX XXXX to the loan XXXX dated XX/XX/year>. On the same date is a letter from XXXX case XXXX ADDRESSING ME AS OWNER. 

I am not sure how this works since I've never done business with phh mortgage but suggesting you work with chase and the CFPB and quickly get this resolved.
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX a wire for {$29000.00} was sent to a chase account account. I filed a claim with Bank of America for fraud along with the account information that the account was sent to and they said they would put a reclaim on the account. I kept calling back and was informed there was no formal case number so I opened up a formal case XXXX XXXX and I have not been updated with any information. I called Bank of America fraud services and was told there had been no movement on the case as of this week XX/XX/year>.
Consumer complaint received 2024-05-13
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 have done an investigation on my credit report and found several items listed on there to be inaccurate. I have filed a report with the FTC and I have sent 7 certified letters demanding these inaccuracies be deleted from my credit report and they still have not been verified or removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have attached the FTC report and document highlighting the inaccuracies. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility and I trust your agency will handle this with the necessary diligence. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-30
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. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR 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 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC. (OH)

Ally bank is charging interest on purchases for {$XXXX} when my entire card balance is only {$XXXX}. When I originally called on XX/XX/24, I was told that the interest was determined by my average daily balance. My balance is only {$XXXX} and has never been as high as their amount of {$XXXX}. In fact, my entire credit limit is {$XXXX}. 
I was told that I should call back in a few days to see if adjustments had been made to the interest amount. When I called back today, XX/XX/24, I was told a waiver request had been denied because I changed my payment due date, so I was still being charged an interest fee on the {$XXXX}. Ok, so I changed the due date, but I still don't owe {$XXXX}. I have never owed that much. This time, the rep said the only thing that could be done was to request another waiver to see if it would be approved this time. I asked how was the {$XXXX} determined, and the rep told me that, since I changed my due date, the interest rate included all purchases made from the original due date to the new due date. My original due date was the XXXX of every month, and I changed it to be the XXXX of every month. That change was requested in XXXX, and since XXXX, my entire amount due has only gone from {$XXXX} TO {$XXXX}. How does that explain the XXXX statement being charged interest for {$XXXX}? The rep told me I would, then, be transferred to another department who could possibly help, the " card services dept. '' I was on hold for XXXX minutes, I spoke to another rep who told me that XXXX doesn't make adjustments on interest fees, but that another request would be submitted to have another rep contact me to explain how the interest rate was calculated for {$XXXX} and not {$XXXX}. The expected return call is supposed to be within " XXXX business days ''. In the meantime, my payment is due, so if/when I make the payment will that be the same as accepting the interest fee?
Consumer complaint received 2023-10-31
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. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC. (NY)

I am on the pre-screen opt out list and have been for years. I confirmed this a few months ago but continue to receive credit card offers from Ally. On the paper it indicates that you can choose to stop receiving pre-screened offers of credit by calling XXXX opt out which of course I have done, but it has not stopped them from sending me pre-screened offers of credit for months. It also says there is an enclosed insert with more information about pre-screened offers and opt-outs and there is in fact no enclosed insert with any information about that. I had to call them and they had to personally enter my information to opt me out of receiving these offers. That is not the correct procedure. It should be sufficient to simply be on the opt-out list. I would like Ally to stop sending me offers.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C section 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 a account without my hand written instructions.
Consumer complaint received 2023-07-10
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (NV)

Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC XXXX This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification. 
CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer. 
I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXX ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CT)

On XX/XX/XXXX after speaking with numerous customer service representatives, I sent the following letter to Discover : " To whom it may concern, I am writing with regards to a discrepancy on my bill. In XX/XX/XXXX, I did a balance transfer and since then I have spent hours ( and I do mean hours ), trying to reconcile the numbers. According to my calculations, I owe ( round numbers ) {$1300.00}, according to my statement closing date XX/XX/XXXX, the remainder due on the balance transfer is {$1500.00}. Every month I've made a payment in excess of the current charges, assuming whatever was left over would be applied to the transfer. And even though the current charges were paid in full, I was still being charged interest. I've stopped using the card and it remains to be seen if I ever use it again. Meantime, I am requesting a month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' Their first response was sending a form letter on how they calculate and assess interest charges. 

I wrote a second time- they responding by sending a copy of the XXXX XXXX. 

I then called the XXXX XXXX of Customer Advocacy and again requested, " month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' I received another copy of the XXXX XXXX and copies of the last six months of billing statements. 

I called again today and was told what they sent was the response to my inquiry. No it is not. If Discover can't explain in real numbers how my payments were applied, how am I supposed to figure it out?
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (KY)

On XX/XX/XXXX I initiated a transfer for {$1000.00} from my Robinhood account to my checking account at XXXX. I mistakenly chose the wrong checking account to transfer the funds to. The account I accidentally selected has been closed since XX/XX/XXXX. 

I waited several days for the transfer to be reversed and show in my Robinhood account, but it never did. I reached out to Robinhood and they claimed the transfer is complete. They directed me to go to XXXX and get information about the missing funds. 

First Robinhood asked for documentation that the account is closed. I brought them the last statement from the account that shows the account was charged off by XXXX ( XX/XX/XXXX ). Robinhood still claimed the transfer is complete and asked for more information from XXXX Bank. I provided them a document from XXXX showing the transfer was indeed reversed the day after it was initiated, XX/XX/XXXX. 

Robinhood still claimed the transfer was somehow completed. They then asked for the trace ID #, which was already on the document I had provided them. I provided that information again and they still claim they can not find the funds and insist that the money was transferred to XXXX. I have been to XXXX multiple times, and they have provided detailed information and documents showing that the transfer was returned to Robinhood.

I have reached out to Robinhood numerous times but they have done nothing to correct the issue and provided no more detail other than saying the transfer is complete on their end and claim there is nothing possible for them to do, despite the proof from XXXX that the funds were returned to Robinhood.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I filed for removal of my PMI because I have met all terms required ( no missed payments, reached 80 % of my LTV, value of house did not decrease ). I was turned down because they said the value of the house decreased according to the AVM. However, it did not decrease : - Sale Value : $ XXXX - Original Appraisal at time of Sale : $ XXXX - Current Appraisal Value : $ XXXX They stated that the value decreased from the original value because the appraisal value went from $ XXXX to $ XXXX. However, the original value is defined as 'the lesser of the sales price of the secured property, as reflected in the purchase contract, or the appraised value at the time of loan consummation '. So the value actually increased from $ XXXX to $ XXXX. This definition is very clearly defined in the Homeowner 's Protection Act and by Citizens Bank. 

I sent 2 letters and called numerous times with no response to my messages. I finally got through to a manager who said they would look into it but that 'their investors define the original value differently '.
Consumer complaint received 2023-09-12
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)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the disputed information 's current status, which is another violation. I have all the evidence attached below. 


XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report.