davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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: 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 15 USC 1681. The following account has been paid but Transunion has been reported as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (FL)

XXXX XXXX and XXXX is deceiving consumers by offering an customers an annual rate year one, and then making consumers pay monthly fees for that annual rate. I have never paid an annual fee on a credit card on a monthly basis. I believe this is deceptive and usery. even if this is disclosed on the agreement, it is not clarified for someone to understand and detail that they will be paying a monthly annual fee. It doesnt make any sense and this needs to be looked into because its hurting vulnerable consumers there are not privy of this information.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANCO POPULAR DE PUERTO RICO (NY)

I enrolled in the biweekly payment program at Banco Popular for my conventional mortgage, and the next statement it showed that my partial payment was unapplied and being held until the other partial payment was sent through. This defeats the purpose of providing a biweekly payment schedule, where it would be understood that a payment received would be applied towards the principal and interest rather than being held unapplied.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. Thank you for your prompt attention to this matter, and I look forward to a positive resolution.
Consumer complaint received 2023-11-22
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (IL)

On XX/XX/XXXX, XXXX a repossession company came to my home and said they were sent by titlemax for my car. Although I was XXXX dollars behind on my payment. I didnt not receive any letters.phone calls, texts or emails prior to this. They said since this was my second repossession they said I had to pay the entire balance of {$5500.00}. I asked why didnt I get a Right to Cure letter either time. I was told I was sent those letters in XXXX and those would be the only letters I received for the life of my loan. I was told that I was not allowed to make payment arrangements and that I would have until XX/XX/XXXX to pay or my car would be sold in an auction. I have contacted the local office and the corporate office but neither would work out a plan with me. I dont feel like I was given a chance to bring my account current and not enough communication about the repossession.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (WI)

hi I am XXXX, I OPENED AN ACCOUNT IN GEMINI ( XXXX XXXX ) Gemini Trust Company , LLC. 
I UPLOADED ALL THE DOCUMENTS TO VERIFY THE ACCOUNT AND ACCOUNT GOT VERIFYED. 
I MADE A WIRE TRANSFER FROM MY XXXX XXXX  ACCOUNT FOR {$25000.00} ON XXXX.WHICH I GOT IN GEMINI ACCOUNT. BUT THEY RESTRICTED MY ACCOUNT TO TRADE BUY/SELL/WITHDRAWL MY MONEY IS STUCKED THERE. I GOT THE MAIN FOR WIRE CONFIRMATION AND THEY NEED TO VERIFY THE WIRE FOR THAT THEY NEED SOME ADDITIONAL DOCUMENTS I.e. MY PHOTO WITH ID PROOF, DATE AND NOTE WRITTEN ON PAPER I attest that I am voluntarily opening a Gemini account and no one has instructed me to do so AND I HAVE SEND XX/XX/21 ( XXXX XXXX ) BUT STILL MY ACCOUNT IS RESTRICTED AND I CANT USE MY OWN MONEY. I EMAIL TO COMPANY SO MANY TIMES RAISED THE TICKETS FOR COMPLAINTS BUT NO RESPONSE FORM THE GEMINI SIDE. I FEEL I LOST MY MONEY.

PLEASE HELP GETTING MY ACCOUNT ACTIVATE ASAP. AS ITS A HUGE AMOUNT.

MY REGISTERD USER NAME WITH GEMINI IS XXXX ATTCHING DOCUMENTS 1. PHOTO WHAT THEY ASKED TO VERIFY UPLOADED 2 TIMES 2.MESSAGE WHICH SHOWS RESTRICTED 3 PROOF FOR {$25000.00}
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

I moved my service from a house to an apartment. My fish wasnt able to be installed due to location so the rep took the dish with him and I was instructed to dispose of the box. I was issued a refund for the month since I was no able to use the services. XXXX XXXX then booked me {$55.00} and put the account in collections. I contacted them and they resolved the error, stating they balanced the account and removed the collections. It has been 2 years and XXXX XXXX has put the account back in collections again, after previously resolving. XXXX told me to just pay it, I will not pay a balance that I do not owe and I will sue XXXX XXXX for damaging my credit fraudulently. XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

I dont live at the address. Im not sure why they are after me. The date shown is not accurate and I dont want this on my credit report. Its effecting my everyday credit. I have tried to tell the company I dont understand where the charges came from. And they are not trying to work with me in explaining everything. I want this off my report please
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CA)

HERE IS THE DOCUMENTS FOR MIS APPLIED FUNDS AND TAXES PAID WITH REFUNDS PAYMENTS BE LOGGED IN AS OTHER THEN POSTED AS PARTIAL LATER SHOWING UP AS UNIDENTIFIED LATER AS A PRINCIPLE CURTAILMENT FROM REFUNDS OF TAX IMPOUNDS PAID BY CONSUMER YEAR BEFORE THE LOAN WAS TRANSFERED 1099s incorrect missing no accounting of why pay taxes before due date no tax bills letter to cfpb says PLANET HAS DIFFICULTY GETTING TAX INFO WHILE Demanding consumer to pay with no accounting fron rax office recent refund from tax % XXXX with any knoweledge payments listed as other intend to defraud this is the dociments with only part of the game they are playing
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I am attaching my credit report showing the discrepancies in the data reporting along with the dispute letters mailed which are dated and time stamped. Please send me everything you have on this account ensure accuracy or remove this account within 15 days : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im being denied to rent a place to live with my child anywhere because of a car loan that is showing delinquency and Im not the owner of the vehicle from XXXX XXXX.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm disappointed by your claims & am rejecting them on the basis that you lack any material facts to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.
Consumer complaint received 2024-02-09
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: TRANSWORLD SYSTEMS INC (PA)

I filed a dispute through XXXX regarding one of the accounts on my credit report. Account is Transworld Systems Inc. and XXXX had completed the investigation and sent me a letter which I have on me that it was complete and deleted from my account. Well I spoke with XXXX today with XXXX and she had to file another dispute as the lender requested it be back on my credit report. I shouldn't have to keep doing this. The investigation was already complete and inaccurate and deleted from my account.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 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 2023-11-22
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)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (LA)

A debut was opened in my name in a different state. When I no longer live there. It was open when I moved to a different state. I was not aware of the loan being taken out in my name and don't know anything about it. But keep getting calls every 30 days about it. And I've told them that it is not mine. That when it was opened, I did not some lived in that state.
Consumer complaint received 2023-11-22
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. (SC)

INQUIRIES ( Transunion ) 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX Late Payments : XXXX XXXX/ XXXX  1. XX/XX/XXXX 2. XX/XX/XXXX 30-59 days late
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (NE)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. I filed the correct paperwork and sent it in with my disputes. The paperwork has not been attached and sent to the loan companies correctly. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mr. Cooper Group Inc. (TX)

My mortgage was sold to Mr. cooper and the result was this month my credit score was impacted and went down XXXX points. I have not missed any payments and have done nothing other than continuing automatic payments. I believe they made some type of error that has resulted in my credit being impacted and I would like them to be held accountable. I am unable to reach them as their automated system will not allow me to speak to a representative.
Consumer complaint received 2018-10-24
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: HUNTINGTON NATIONAL BANK, THE (OH)

I called in XX/XX/2016 to make the final mortgage payment on my account with Huntington National Bank. They told me the payment amount due which I paid in full. Several months later ( XX/XX/2016 I believe ) I received information stating I owed a balance, at this time it was placed with their debt recovery department and was in a charge off status. I went ahead and paid the amount in full hoping that would satisfy my obligations. I received another call stating I still yet had a small balance and again paid that in full. 

Now I'm looking at my credit report for the first time since and see they are showing a balance on my account and have reported it as charged off. I filed a dispute, Huntington corrected the amount it said I owed to XXXX  but refused to change the charge off status to paid as agreed. The only reason it went to charge off was because I was not given the correct amount not once, but on two separate occasions.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

XXXX XXXXXXXX XXXX ( XXXX  ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name LOAN BY PHONE DBA XXXX XXXX XXXX  ), Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.