davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (ID)

I went to every Coinbase help page I could find, and they all said they were overloaded with high traffic. All I really got access to was a a long list of FAQs. I sold {$2200.00} worth of Bitcoin on Coinbase, on XX/XX/XXXX, it was converted to USD. I am now trying to withdraw that amount into my linked bank account, and when I try to, I get a pop-up stating that my balance is {$0.00}. I understand there may be a waiting period for money to clear ; however, I use a Mastercard debit for my withdraw, this carries a higher fee, and is supposed to be " instant '' ... So perhaps you can understand my frustration. Every time I went to a " help '' section of the app, I was just redirected to a site full of FAQs, and the high traffic disclaimer.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-26
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)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you Equifax permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2024-03-26
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

GM is showing the account was charged off. As of XXXX XXXX,2020. The account was open and I made a payment on the account. I was in a car accident on the XX/XX/XXXX. I had full coverage on my account and gap insurance. My insurance company sent a check for the difference owed on the account. Which will make the account paid in full. They are reporting as Charge off account. ( reporting a balanced ) The account was paid in full. Im requesting the account be removed total from my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: A+ Financial Services, Inc. (GA)

A check was cashed by A Plus Financial Services that was stolen from me. I reported the check lost or stolen to my insurance company XXXX XXXX XXXX XXXX .Consequently the check was cashed at the aforementioned check cashing facility. This company didn't exercise due diligence confirming the identity of the holder or legitimacy of the document.
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (NY)

XXXX  report # XXXX Equifax report # XXXX XXXX  file # XXXX I am filing a complaint because XXXX, Equifax, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (CA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I am a XXXX Veteran and I recertified late for my tax exempt status. They made one tax payment of which I owe an extra XXXX  a month for 36 months. They have my status on record but they are still trying to make me pay taxes into an escrow account that is tax exempt. They are holding XXXX, a full payment in unapplied funds and they increased my mortgage from XXXX to XXXX to XXXX. These are and frustrating unfair business practices. I have been trying to tell them since XXXX 2020, to no avail.
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CT)

I bought a used car, a XXXX XXXX XXXX, VIN # XXXX, that I financed through Ally Auto Finance. I was involved in an accident in XXXX of XXXX in which the car was basically totaled. The insurance company settled with the finance company ( Ally ). In XXXX of XXXX, I received a letter from Ally ( copy attached ) in which they stated that they sold the car for more than what I owed on it and that I was entitled to a refund of the surplus in the amount of {$11000.00}. The letter was dated XX/XX/XXXX. I waited several weeks but did not receive the excess funds as promised in the letter. I made several phone calls to the company and was given the complete runaround - put on hold for hours, transferred back and forth among various agents, but no one could or would give me an answer as to when I would receive the funds promised in the letter dated XX/XX/XXXX. In XXXX XXXX, I sent a certified letter to Ally demanding payment as promised. It has been over a month since I sent the letter and I still have neither received the funds or so much as a response to my inquiries. I am a single mother who has been significantly impacted by the Covid pandemic financially, and I desperately need the money I am owed.
Consumer complaint received 2021-01-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NE)

I received a letter/statement from Chrysler Capital on XX/XX/XXXX stating recurring payments have been disabled and to contact them at XXXX. My account is ten days delinquent. Also stating that I have no valid working phone number ( but I have had the same phone number since XX/XX/XXXX ). The statement said that the principal balance is {$240.00} and pay off is {$240.00}. Every single payment to them was made on time with no problems from my bank. I did not shut down the auto payment and neither did my bank. Chrysler Capital admitted to me that it was them that cancelled the autopay when I talked to them on the phone. I looked forward to that last payment and was glad to have it done or so I thought. I bought another vehicle on the same day from another dealership with a different loan company. I now have title in hand for it with a very nice farewell note. I am still fighting these people and have no clue why. In talking to their representative, her name being XXXX, I was told that I had to send them {$240.00} within ten days or they would report me for debt collection and report me to credit bureaus. I sent the check in that day in the exact amount that they demanded. On XX/XX/XXXX I received another letter from Chrysler Capital stating that they appreciate my payment. However the payment did not satisfy the entire balance on my account leaving a remaining balance. On the date of the letter, my remaining balance is {$11.00} and is good until XX/XX/XXXX. If I do not send the amount in by that time my balance may change if remainder is not sent. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ( in bold caps ) My question is do I have basis for complaint? If I send this new amount, can they just keep tagging on debt and it will never end? Where is my wrong in this or my mistake? I promise you that I was not once late on a payment to Chrysler Capital. 
This is very stressful especially at this time since I have been quite ill for several weeks. Please help me. I know it is not a huge money amount but it is wrong in every way to me and I feel it should be illegal. Will it ever end? How can I make it end? 
I have copies of the letters they sent to me. 
First letter has my account number as XXXX and second letter has my account number as XXXX. How can this be? 

Thank You! 
XXXX Please contact me at your convenience.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

With LoanDepot they are forcing users to go online to service their payment method. I do not agree to have things done electronically, thus they're violating the esign act and should service my account over the phone rather than requiring that I service myself online for things such as updating a payment method.
Consumer complaint received 2021-01-20
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: SYNCHRONY FINANCIAL (CA)

I have disputed information on my XXXX credit report multiple times and it continues to stay. Old Navy/Synchrony Bank account is reporting 120 days late. Synchrony bank provided me an affidavit that they would correct their reporting and remove the 120 day late inXX/XX/XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with XXXX while providing the affidavit and twice now they are continuing to report inaccurate information.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus
Consumer complaint received 2022-11-01
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. (IN)

In accordance with the fair credit reporting actconvergent account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX XXXX PurposeCREDIT TRANSACTION XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

I sold my house on XX/XX/2020 and the mortgage was paid in full, and the servicer Dovenmuehle Mortgage Inc, had {$1100.00} in escrow at the time. I looked on the website and it would be approximately 30 days after payoff to inquire about escrow refunds, which I did wait the 30 days but nothing was received. I verified they had my new mailing address at that time. 
I called back approximately XX/XX/2020 and inquired about the escrow account refund and was told it had not been processed and the representative said they were initiating the escrow refund process. 
Still no refund of my funds received and I called again sometime in the middle of XXXX, unfortunately I'm not able to locate or recall exact date. I spoke to a representative that ensured me the check would be processed for my refund. 
I have monitored the website transaction history on my closed account, and on XX/XX/XXXX I saw there was an " Advance Reversal '' for {$1100.00}. 
I have not received anything in the mail and called again on XX/XX/2020. I asked the representative to look into the matter, he told me that he couldn't see anything different than I see on the website. But if I wanted to get information I would have to email another department for the matter. I explained that I had called several times and would like to escalate the matter to a supervisor. 
Before he transferred me to his manager and he said if I did that it would be another 15 minute wait, but if it went to voice mail I would receive a return call in 24 hours, which I agreed to. When he transferred me to his supervisor it went straight to voicemail. So I left a message and repeated my phone number twice. I waited the 24 hours but no return call. 
I feel that I am owed the funds and interest accrued during the time after the payoff and return of my funds.
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent out a round of letters to each credit reporting agency XXXX XXXX, Transunion and XXXX XXXX requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.
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. (FL)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am lodging a formal complaint regarding an unauthorized and erroneous collection account appearing on my credit report, attributed to XXXX XXXX XXXX. This entry has been reported without my knowledge or agreement, and I assert that I have no contractual relationship with XXXX XXXX XXXX nor have I authorized the use of my personal information for such reporting. 

This matter contravenes several provisions of the Fair Credit Reporting Act ( FCRA ), particularly Sections 607 ( a ) ( 1 ) and ( 2 ), which mandate that credit reporting agencies maintain accurate, complete, and current data. Additionally, Section 615 ( a ) ( 1 ) clearly prohibits the dissemination of information to consumer reporting agencies based on inaccurate knowledge, a principle clearly violated in my case.

Moreover, Section 621 of the FCRA outlines the liabilities faced by entities failing to adhere to these requirements, stating that violators are subject to compensation claims by affected consumers. This scenario is further supported by violations of 15 U.S.C. 1681 et seq., including Sections 1681i and 1681j, which emphasize the obligation of credit reporting agencies to ensure the utmost accuracy in their reporting practices.

The dubious nature of the collection account, which appears to have been illicitly traded, also infringes upon the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). These acts explicitly forbid the sale or acquisition of debts known to be invalid. Furthermore, such practices may constitute deception or fraud as described under federal statutes 18 U.S.C. 1341 ( mail fraud ) and 18 U.S.C. 1343 ( wire fraud ). 

I appreciate your immediate attention and resolution to this pressing issue. 

Sincerely, XXXX XXXX