davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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)

XXXX XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$520.00} Closed XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ResidentCollect, Inc. (FL)

I am composing this letter to request the deletion and removal of certain accounts and associated information from my consumer report. The accounts and information specified below should not be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to promptly delete and remove these accounts and information from my consumer report, as their continued inclusion is in clear violation of several legal provisions. I insist on their immediate removal!
Consumer complaint received 2023-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I've had problems with the merger of SunTrust and bb & t banks... The bank is truist bank...

Truist bank has giving me such a hard time especially be an up and coming new small business...

Truist made it difficult for me to open an account stating it was verifying my address... Which is the address on my state id. the address I'm registered to live at as a felon in the state of Florida...

Then I was pre approved for a line of credit and loans which I completed application for through the mobile banking ... Then I go into the branch to get everything settled and they say I was denied and gave me no reason to why ... Then I go through and start my business anyway and during the scouting for positions in my small business I used surepay payroll a service provided by contract with truist... They made about 6 direct deposits for my payroll but then the last one they said they don't wan na provide payroll for my company and they won't tell me why...
Consumer complaint received 2024-03-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC (NV)

To whom it may concern : I am being overcharged on interest APR on this loan. I have directly request an amortization statement for the complete loan and the company states it can not be generated by there staff. I Have called several people in the CSR unit and even their escalation dept with no success. they continue to charge me the wrong daily APR and several months no principal is applied to loan balance.
Consumer complaint received 2023-04-26
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. (NY)

Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, trans union & XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

To : CFPB We feel that the mortgage company Newrez has not acted in good faith and purposely been taking extra Escrow funds. They continue to not acknowledge or properly add my name to my deceased father 's mortgage. He died in XXXX. However, they still have his name on the account even though the house is completely and legally in my name with the county. It says " Est of ( and his name ) '' The difficulty is that we've purchased the home insurance coverage which is under my name as the owner. However, when it comes to pairing the insurance and mortgage they fail to acknowledge the difference and next purchased they're own lender-placed insurance coverage for the property. 

Once we realized this back in XX/XX/XXXX, we contacted Newrez and informed that of the insurance information with XXXX XXXX XXXX. In fact, we had the XXXX XXXX representative talk to the Newrez Insurance Division, but later on we realize that they were still charging for the lender-placed insurance even after we informed them about XXXX XXXX  and the fact that we no longer wanted insurance included in the Escrow because we just paid the insurance directly ourselves. Now in XX/XX/XXXX, we realize that they are still paying themselves the lender-placed insurance so we tried to complain several times but no one would correct the issue. Therefore, we just decided to pay the home off entirely instead of continuing to let them get the interest and fake insurance coverage. 

We submitted 3 payment to pay off the principal and close the loan. They accepted the first two payment totaling {$31000.00}, but when we sent the payment of {$40000.00} they originally accepted it, but a few days they returned the $ XXXX back to our bank and disabled the feature to pay online.

We called to express our frustration but they would never let us speak with a manager despite several calls and leaving messages. We also submitted five formal written complaints on their website with no response. 

I am writing for your assistance and to inform other current and potential future customers of their dirty practices to steal and keep your money. 

We appreciate any assistance and support that CFPB can provide. The company Newrez can be found at newrez.com or XXXX. Thank you.
Consumer complaint received 2023-12-27
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. (GA)

on XX/XX/2023 i check my personal credit report which i required from XXXX. I noticed unauthorized credit inquiries and accounts had been made. i did not approve these inquiries or the accounts and they are fraudulent. i submitted a report with identitytheft, gov and sent out letters to the bureaus to get the inquiries and accounts removed. however, i feel they are not taking it seriously so I'm submitting a report with cfcb now to see if they can help me fix this issue.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and The other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I sold two items on PayPal. The purchaser filed a dispute with the items. He most likely purchased another one before he received the item I sold him so he no longer needed it. PayPal allows him to ship back one of the two items I sold him. They determined that item is worth {$800.00} where it is actually worth XXXX. This process has been going on since XXXX of XXXX. Now the purchaser has shipped an item back but apparently has shipped it to the wrong address and I have not received it. This was 3 days ago. PayPal is not giving me answers. Not trying to help with this resolution at all. I'm very disappointed with the help I have received from PayPal and it is very concerning that this is the only thing that I can do to help with the situation. All I can do is send an email to you guys. Which is most likely probably not going to help. It's most likely going to take weeks and months. I just want my money from PayPal or my items back.
Consumer complaint received 2023-09-02
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. (FL)

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 XXXX : ACCOUNT NUMBER XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER 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 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.
Consumer complaint received 2023-11-02
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (GA)

DearRECEIVABLEMGMTGROUPAfterviewingacopyofmycreditreport,InoticedacollectionaccountplacedonmycreditreportfromyouinXX/XX/2017.Iamrequestingthatyouallowmetovalidatetheallegeddebt.IamunawareofanyoutstandingmedicalbillsthatIpossess,andIamseekingthenameandhospital/medicalprovidertowhichIowethedebtandadetailedbreakdownofthefeesthatIowe.

Additionally,IamallowedundertheHealthInsurancePortabilityandAccountabilityAct(HIPAA)toprotectmyprivacyandmedicalrecordsfromthirdparties.Ididnotgivepermissiontoanyofmycurrentorpriormedicalproviderstoreleaseanyofmymedicalinformationtoathirdparty.IamawarethattheHIPAAdoesallowsthereleaseoflimitedinformationaboutmebutanythingmoreistoonlyberevealedwiththepatientsauthorization.Therefore,myrequestistwofoldvalidationofdebtandHIPAAauthorization.

Pleaseprovidebreakdownoffeesincludinganycollectioncostsandmedicalcharges.
Provideacopyofmysignaturewiththeproviderofservicetoreleasemymedicalinformationtoyou.
Ceaseanycreditbureaureportinguntilthedebthasbeenvalidatedbyme.

Pleasesendthisinformationtomyaddresslistedaboveandacceptthisletter,sentcertifiedmail,asmyformaldebtvalidationrequest,whichIamallowedundertheFDCPA.PleasenotethatwithholdingtheinformationyoureceivedfromanymedicalproviderinanattempttobeHIPAAcompliantcanbeaviolationoftheFDCPAbecauseyouwillbedeceivingmeaftermywrittenrequest.Irequestfulldocumentationofwhatyoureceivedfromtheproviderofserviceinconnectionwiththisallegeddebt.

Additionally,anyreportingofthisdebttothecreditbureauspriortoallowingmetovalidateitisaviolationoftheFairCreditReportingAct,whichcanallowmetoseekdamagesfromacollectionagency.Iwillawaityourreplywithaboverequestedproof.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (OH)

I have requested the three credit bureaus ( Equifax, XXXX, and XXXX ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.
Consumer complaint received 2023-04-17
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I stupidly applied for this card to get a bicycle. 
I never received anything in the mail for it. 
Eventually I would get Late notices in my email. 
Id make a payment through that... never having an account set up, this was the only way I could ever attempt to pay. 
I would do that. 
Id get an email saying payment never went through. 
For months this continued. 
I think 3 payments out of about 10 went through. 
now I am way behind, and about to have over 20 % interest because this company is XXXX. 

Contact support. There is no support. They give you links to chat that dont work. 
Call them. No humans, just machines repeating information that has nothing to do with my call. 

THIS IS INSANE! 

IVE NEVER HARD MORE TROUBLE TRYING TO GIVE SOMEONE MONEY IN MY LIFE. 

Now because they made it so hard to do... amazing.. I owe them more money. 

XXXX XXXX
Consumer complaint received 2023-04-26
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. (NY)

Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau Experian, XXXX XXXX XXXX XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-23
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. (NJ)

I am formally requesting this letter to update the following accounts 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 be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX, XXXX. XXXX and XXXX XXXX XXXX XXXX Please remove the late payments and update these accounts ASAP.