davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (MN)

This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX  XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-22
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. (TX)

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}. 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-21
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)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (CA)

Planet Home lending refuses to show the reversals the misapplied payments by them. 
Here is a {$300.00} payment proof in their papers it took 4 months to apply to ESCROW Proof of Planet blaming prior server it was thier fault.Proof it was PLANET USING MY LOAN TO PAYMENTS FOR TAXES .Planet put as prinicipal curtailment OTHER SAME ACCOUNTING shows in this attachment. At what point do I get Planet Home lending to stop LYING? Here is proof PLANET REFUSES TO TAKE A {$650.00} REFUND FROM XXXX XXXXXXXX XXXX cashed by XXXX ON XXXX proof from XXXX XXXX XXXX .I did not get it minused from TAXES PAID BY XXXX  who told CFPB they would forward any more refunds after I SUPPLIED PROOF from XXXX XXXXXXXX XXXX they did not pay what they said they paid ALONG WITH PLANET NOT CREDITING THE BOGUS ESCROW ACCOUNT THAT the refunds and my payments Showed XXXX owed me {$1700.00} + $ XXXX= {$2400.00} -- {$700.00} BY XXXX left {$1700.00} ( refund of {$650.00} ) XXXX  knew was mailed to them and they mailed it back see letters from tax office finally cashed XX/XX/XXXX letter attachedleft {$1100.00}. I paid + {$760.00} XX/XX/XXXX + I paid {$380.00} to Planet XX/XX/XXXX see the demand letter saying i was seriousley behind close to forclouser Amount took care of {$1100.00} meant XXXX  OWED ME {$37.00} ADD THE OTHER Refund XXXX  received {$54.00} XXXX XXXX XXXX = {$92.00} owed to me.I NEVER missed one payment see letter and proof in attachment which .Planet would show no escrow then redirect same payments NOT DEDUCTING FROM ESCOW UNTIL XX/XX/XXXX NEVER SHOWING A REAL ACCOUNTING in the FAKE ANSWER SAYS MY ESCROW ACCOUNT IS NOW {$410.00} ON THE ONLINE I CAN NOT GET info what i pulled up in HISTORY DOES NOT MATCH THE ACCOUNTING I JUST SENT YOU! 
this is SERIOUS PLANET NOW HAS STARTED THE SAME THING AGAIN I AM AFRAID TO PAY MY TAXES LIKE IN XXXX I GOT BACK {$700.00} IN REFUNDS XXXX  GOT BACK {$1300.00} I PAID AGAIN TO PLANET XXXX  XXXX ANOTHER {$1.00}, XXXX WITH {$480.00} REVERSAL FROM investor with {$310.00} so many charges some reversed NO WAY TO HIT BOTTOM WITHOUT A REAL AUDIT ... ..NOT BY PLANET XXXX  even put on XXXX XXXX to the IRS THEY paid {$2000.00} ( EXACT ILL HAVE TO send to you.When they refused to accept the {$650.00} refund sent back to XXXX XXXX who resent it again Finally cashed XX/XX/XXXX almost 2 years later.I still do not have it credited to my escrow account.Planet says in the response .XXXX  PAID {$1700.00} XX/XX/XXXX + {$750.00} {$2400.00} ( ACCEPT REFUNDS ) {$700.00} NO MENTION of the misdirected {$300.00} took from XX/XX/XXXX to XX/XX/XXXX to BE APPLIED three diffrent ways planet applied the payment.Used it as a princinpal curtailment ALONG WITH OTHER PAYMENTS TO LATER WHEN I COMPLAINED TO CFPB they reversed some of it
Consumer complaint received 2023-11-24
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. (CT)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I took my California issued unemployment prepaid card to a Bank of America drive-thru ATM to withdraw an amount of {$800.00} to pay for my rent. Upon initiating the transaction the ATM box stalls for a second and then complete transaction but dispenses me no money and only a receipt. At that point I contact a Bank of America rep by calling the number listed on the ATM box who then advises mean to go within the branch and notify them because within his system he stated he could see the transaction had completed and the money was withdrawn from my account but no cash was dispensed at that point. If I'm going inside the branch and ATM teller tells me there's nothing that they can do as they do not service the EDD card so then I am advised to contact a number on the back of the card when doing so I was told I needed to file a claim I went ahead and start the process a filing a claim and have been waiting almost two weeks now and just as of today the XXXX of XX/XX/2020 my card company advises me that my provisional credit has been denied and that it is customer reliable which makes absolutely no sense because there are cameras surrounding the bank area and if the investigation was thorough as the state it would be then they should be able to see that no cash was given at that point when I was at the ATM and I should have been issued my money in return.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MI)

I have contacted Synchrony Bank about having closed my account in late XXXX. They mailed me a check with the incorrect address information on it despite I received my card with the correct information at the same address. They told me multiple times they were sending another check and yet they confirmed they have only ever sent one check. XXXX XXXX is doing this purposefully to keep my money as a free loan. Knowing their reputation should make holding them accountable easier
Consumer complaint received 2023-05-21
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)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Consumer complaint received 2023-05-22
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. (TN)

Upon reviewing my updated Credit Report, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the unauthorized inquiries have been removed.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy! 5 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 2023-04-20
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-21
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)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Consumer complaint received 2024-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle Mortgage took over our XXXX, promised to continue servicing the autopayments for interest, failed to do so, failed to send monthly statments and has tried to conceal their efforts to pad our principal by over {$6000.00}. This is outright banking fraud. We paid a {$75.00} fee in XXXX to XXXX XXXX XXXX XXXX. Its on our statement. XXXX/DMI charged it again in XXXX and is trying to maintain their lie that it only got charged once. The statements don't lie. Thats why they don't want to provide monthly statements. The monthly bills would totally reveal their fraudulent activities.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

This medical debt was sent to collections within 6 months of date of service. Per the XXXX XXXX XXXX, they were supposed to wait 1 year before reporting the debt to collections and also allow us opportunity to dispute the charges because they were paid by insurance.
Consumer complaint received 2024-04-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (IN)

Since XX/XX/2023, Bluebird has held {$1100.00} of my money hostage. During that month, they locked me out of and suspended my prepaid account. They refuse to unlock the account and/or mail me a check in the amount on the prepaid funds in my account. Every time I call, the calling center states that there is nothing they can do. It has to be illegal for them to withhold my monies.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

Letter receive at my residential address dated on XX/XX/2023 from American Coradius International LLC  ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) attempt to collecting {$32.00} for creditor " XXXX, XXXX ''. 
Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct. 
I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International LLC. All issues are researched thoroughly with extra attention to the customer perspective. 
Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you may have been a victim of identity theft. The e-mail address provided to us by, XXXX XXXX XXXX, does not match the address you provided in your correspondence to the XXXX XXXX XXXX 
We have provided XXXX with a copy of this complaint and our response. XXXX, XXXX XXXX, have any questions, we kindly ask that they contact, XXXX XXXX XXXX, and allow them the opportunity to address any additional concerns they may have.

Thank you for bringing this matter to our attention. We apologize for any inconvenience that we may have caused. 
Sincerely, XXXX XXXX Director, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " XXXX XXXX '' prior to receiving this letter nor it's possible for me to incur any debt from XXXX XXXX in the past. Furthermore, the creditor " XXXX XXXX '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " XXXX XXXX '' ) is easily found from XXXX 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ). 

This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible stress endured causing by such practice from this company.

Please see to an end for such practice.

Thank you An concerning Federal law enforcement employee.
Consumer complaint received 2024-04-07
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX Account Number : XXXX Date : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business address of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my report after your reinvestigation. You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE this erroneous account.