davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this complaint on the following dates : XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. I appreciate your understanding and prompt action.
Consumer complaint received 2024-03-22
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. (NY)

I am sending this complaint to inform you that I have been a victim of identity theft. I am disputing the account as it was opened without my knowledge, consent, or authorization. Attached is the FTC report from identitytheft.gov for your reference. 

Please proceed with disputing the account, as it was initiated without my knowledge, consent, or authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-20
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-06-22
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: Strategic Automotive Servicing, LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (TX)

sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (TX)

Last year we tried to have out house payments deferred due to us being impacted by Covid Virus. I called to have the payments deferred due to my husband hours being cut down to 25-30 hours a week, we have 6 people living in our home. Loosing that many hours, we could barely make our payments. I was told I would have to prove that we were impacted by the virus, but no one ever explained how to prove it. So, I struggled to make our house payment. They were usually late ; I have the late payments to prove that. Finally in XXXX of XXXX I made my last late payment along with my XXXX payment and got caught up and have been caught up ever since. 
In XXXX of XXXX with the rates being low, I started looking into refinancing our home. I was told we would have to wait till the XXXX payment fell off. So, I waited. I made my XXXX payment in XXXX a few days after making my XXXX payment. I called to check to make sure everything was good and was told they would not show my XXXX payment being paid till XXXX. For good measures I went ahead an paid my XXXX payment in XXXX Neither one of these payments are showing up on my credit report EVEN though they have been paid!!! This is not fair, nor is it right that these payments are not showing up on our reports as being paid! 
If you look at our credit report, Mr. Cooper shows XX/XX/XXXX as a 60 day late instead of a 30 day late. They are not reporting correctly to the bureaus. 
NOW my refinance is being held hostage because they will not update their files!!!
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I believe that recent changes to the Capital One website are designed to confuse consumers so as cause payment issues thereby resulting in the collection of late fees. With having both a Mastercard & Visa card through XXXX, and with them now having acquired my Walmart card, I have three accounts on the opening screen to differentiate between. XXXX has eliminated information that could help differentiate ... card number has been reduced to just the last four numbers, MC & Visa logo/info has been removed, and while each account 's payment due date was formerly indicated, that info has also been removed. I attempted to make a payment on the XXXX for XXXX of the accounts where the payment wasn't due until the XXXX. During that process, I got confused as to if I had made the payment to the correct account, cancelled, and attempted a resubmit. I received an email today that the payment didn't go through correctly. I called Capital One but they were unwilling to adjust the payment even though they could see it, or remove a late fee. 
I work hard to make my payments on time, and am 110 % certain that there would be no issue except for their meant-to-deceive website. I can only imagine the trouble they are causing their card holders, especially the elderly and others who get easily confused.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (LA)

This complaint is towards coinbase. On XX/XX/XXXX of this year, Coinbase locked my account because of a supposed denied transaction while trying to deposit money into my portfolio ( coinbase pro ) regardless of the fact that there was money in my account. I attempted to contact coinbase support on XX/XX/XXXX ( Case # XXXX ). Over the next several months up to today, I have attempted to contact them multiple times and filed two separate complaints and the only responses I could get were to wait for a response and to stop filing complaints because it supposedly only delays the process, which honestly doesn't make any sense since my complaint contains the case number above and compiling said information is not very time consuming ( neither is taking a look at my account and simply unlocking it. Yesterday Coinbase finally sent me an email claiming that the issue was resolved. It wasn't. While they credited my account with a small amount of bitcoin, it was irrelevant considering my account is STILL locked, thus not allowing me to remove my money from their platform. This is completely unacceptable customer support. This billion-dollar company still to this day does not have any live tech support. I can't speak to a live human being about the issue and obviously their online support system is unbelievably pathetic. I am far from being the only person with this issue. Only after complaining about the issue on their XXXX page did someone say that filing a complaint here was the only way they were able to resolve their issue, and it took them 6 months to do it. unacceptable. Please notice the dates in the screenshots provided. Thank you.
Consumer complaint received 2022-04-18
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: CREDIT ACCEPTANCE CORPORATION (NY)

Hi, My name is XXXX XXXX, I have an auto loan listed on my account as well as several inquiries that are not mine. I have filed an affidavit with Federal Trade Commission as well on this matter. I am asking this information is removed from all 3 credit bureaus in accordance with 15 U.S. Code1681c-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. 

These accounts should not be on my consumer credit report and 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 DID NOT, AT ANY TIME, give any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights. NO CONSENT IS IDENTITY THEFT and am requesting the deletion of the accounts listed VASTLY from all 3 bureaus. 

Fraudulent Accounts CREDITACPT XX/XX/XXXX {$13000.00} XXXX Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2021-06-22
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: REGIONS FINANCIAL CORPORATION (GA)

REGIONS BANK # XXXX The balance is correct with this account. I called and Regions Bank and they admitted they did not report the information to the credit agencies. They balance should reflect {$4300.00}. Please correct ASAP!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. XXXX  WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT XXXX XXXX  KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO XXXX IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL 3 BUREAUS.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (OR)

XXXX on XX/XX/2023 XXXX on XX/XX/2023 There were XXXX charges to my account by XXXX XXXX  that were not authorized. I submitted a dispute request when I noticed the funds missing on XX/XX/2023 for XXXX, and XXXX. The latter was approved, but the former was denied on XX/XX/2023. I have never used XXXX XXXX and had not been asked to submit information. I received a phone call in XXXX from XXXXXXXX XXXXXXXX and explained that I did not authorize any charges on my account, nor did I know anyone from XXXX as well, which was where the money ended up. They stated they would call again for additional info but never did. Credit karma did not call to get any clarification from me but instead denied the dispute
Consumer complaint received 2021-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allegiant Capital Recovery LLC (CA)

Allegiant Capital Recover Services, based in XXXX New York, has been threatening to collect old debt from an unlicensed payday lender. Despite multiple attempts to dispute the debt under the Fair Debt Collections Practices Act, the company continues to ignore my requests for validation and to cease communication. The issue at hand in this complaint is the fact that I settled the account back in XXXX of 2020 with the original lenders previous debt collection company, XXXX XXXX. The payment cleared my account and was never refunded or chargeback as this " new '' debt collection company is indicating. The bank has confirmed their erroneous claims. In addition, XXXX and their parent company are not licensed to conduct business in the State of California, voiding any said debt under California law. See attached advisory alerting the public of the original creditors illegal business practices.
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (CA)

XXXX XXXX is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. 
before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to experian and nothing was done but a false verification. 
and today experian will not allow dispute or upload of the information attached here. 

( SEE ATTACHMENTS )
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame wasXX/XX/XXXX to XX/XX/XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not US based. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XX/XX/XXXXand PHH is just now getting around to updating their insurance records.
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX  I have informed the consumer reporting agencies XXXX Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (MD)

I had XXXX in my account SunTrust and one day I was to the bank and they told me that my account was close for any reason that I didn't know.. After they told me that legal debt collection but the problems is that I didn't receive any documentation in my house regarding who's company I owed money. I would like to receive my money because is to many time that I go to the branch to ask then and I don't receive any cuestion. I contact already the department but they don't answer. This issues was more than 8 month but they took the money from my account XX/XX/2020 amount of XXXX
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or corrected as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-22
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. (NY)

On XX/XX/2021 I mailed dispute letters to XXXX TransUnion, and XXXX credit bureaus to investigate some inaccuracies on my credit report. I understand that due to Covid-19 they have been extended to 45 days to respond to my dispute, instead of the usual 30 days ; therefore I waited 45 days. After getting no response from the credit bureaus, I once again sent out dispute letters on XX/XX/2021 to address the urgent matter. Once again, my dispute letters were totally ignored. Today is XX/XX/2021 and I still have not heard anything back from either of these companies. I take my credit report very seriously, and to have my letters ignored twice in almost 4 months, is unacceptable, to say the least. The credit bureaus have failed to follow the laws of the Fair Credit Reporting Act, and as a result, must delete all the disputed items from my report. I have no more time to wait, and I can not afford to bear the continued damaged that these inaccuracies have caused. Please see attached letters for reference. 

Thank you, XXXX XXXX
Consumer complaint received 2021-06-22
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. (UT)

For the past several months I have submitted several disputes letters to the credit bureaus, XXXX, Transunion, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.