davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I got a car from us Autos XXXX and now they are under investigation it's XXXX  and they say I owe XXXX still I know I been overpaying especially doing the pandemic and they always turning off the car
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2021-12-21
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: EQUIFAX, INC. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

TRANSFER TRANSFER TRANSFER The company that deserves to be shut down : Carrington Mortgage Services LLS XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX I first obtained a loan through XXXX. After only XXXX  months, my loan has been transferred to a new servicer the XXXX  time. And, this time, it has been a disaster. 

Once transferred to Carrington Mortgage, I immediately started calling and trying to settle their request for flood insurance. Because we own a condo, it is purchased and covered in our HOA payment. 

I wish I had tracked the number of times I called or emailed Carrington to explain this, but I did not. Nonetheless, each time I called, I was told it was resolved. 

Then, I would get another letter saying they had no record of flood insurance and that Carrington Mortgage would buy flood insurance on our behalf... what! Is this legal? 

As I explained many times through phone calls and emails and their online document upload process, our flood insurance is through our condo HOA! We do not buy it separately. Yet, they have chosen to charge us for another policy! Yikes! How does this happen after repeated attempts to fix it? Today, I also received a large check from Carrington that appears to be our escrow refunded, and they did not pay our real estate tax. 

It does not matter who I call there, I can not get anything resolved. Please help. 

Here is the information that might be needed to get this worthless company to fix our account : HOA company that can provide flood insurance policy information : XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Reliant Home Funding, Inc (NY)

On XX/XX/XXXX, I closed on a home, in PA, with my husband. Our mortgage lender was Reliant home funding and XXXX XXXX was our loan originator. We emailed and questioned him, on XX/XX/XXXX regarding our mortgage interest rate and closing which did not match the rates advertised, on their company website. Our proper interest rate factoring our credit scores, as per their website should have been 5.5 %. XXXX XXXX advised us to disregard their websites and only 20 % down is considered acceptable to get that lower interest rate although this was not mentioned on their website. We also paid over {$4900.00} for mortgage points which was not applied explicitly. 
Furthermore, our original signature closing Promissory note document was lost by XXXX XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I inquired about the lost closing Promissory note document, over the phone, at about XXXX, with XXXX XXXX who then violently slammed the phone, on me for daring to ask about the lost closing document. I saw a return call from him at XXXX which i declined to answer after the phone slamming. On XX/XX/XXXX, I called the Reliant Home funding office, to complain about XXXX 's home closing evasion and rudeness. The supervisor named XXXX on XX/XX/XXXX also refused to take my complaints, on the lost closing documents and XXXXXXXX XXXX behavior and told me to get a " lawyer to get his email ''. XXXX XXXX did send me a photo copy of the closing document not a color photo original. I feel these deceptive practices on the closing and interest rate are motivated by my racial alignment and gender. Our mortgage debt was of course sold to ( XXXX XXXX ) to hide facts although it is their right to sell.
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

collector is attempting to collect a debt that is past the original legal statute of limitation for debt collection. collector has reaged and dated the debt on my credit report to look like its a new debt and changed the account number to their own number to again make it look new.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TN)

I was charged more than what I owe. The amount they charged me is XXXX dollars this month on my Paypal Mastercard credit card. My last month due was XXXX on XXXX XXXX. 
My payment of XXXX dollars was returned. They charged me return fees of XXXX but refunded it. 
However they billed me XXXX dollars this month. I have not used this card after XXXX XXXX so this billed amount is wrong. I tried to talk to PayPal but they are not helping me. 

Also they made some fake charges on my account for example XXXX dollars charge. They made this charge serval time
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Venmo suspended my account for no reason. I just opeed the account my brother sent me XXXX XXXX. The let him send the money the suspended the account and now I have to wait for a account specialist to unlock the account. It's been 5 days no one at Venmo has anything they can do. Monday XX/XX/XXXX was the day the suspended the account. I called everyday this week and the give me a million excuses
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (IN)

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX  XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account. Furthermore, XXXX XXXX  XXXX XXXX has committed aggravated identity theft by reselling my private information to a third party ( NCB in this particular case ).
Consumer complaint received 2023-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (LA)

I had a car loan with Bridgecrest which I refinanced with XXXX XXXX. Bridgecrest provided XXXX XXXX a 10 Day Payoff of {$24000.00} on XX/XX/XXXX which did not include a {$2300.00} payment for a canceled car warranty. After initially telling me they " don't provide statements '' ( see pg. XXXX of Bridgecrest text thread ), I received a statement in the mail that shows that they received payment for the car warranty refund on XX/XX/XXXX, even though I had called and messaged customer service several times in the month of XXXX and XX/XX/XXXX to ask if they had. Refer to page XXXX of text thread where customer service denies receipt of XXXX refund on XX/XX/XXXX and the transaction history that shows receipt as of XX/XX/XXXX. 

Bridgecrest has now received a payment from XXXX XXXX for {$24000.00}, however my principal balance at the time of payoff was {$22000.00}. I also submitted a regularly scheduled payment on XX/XX/XXXX for {$530.00} through my banks bill pay before I was informed the refinance had gone through. 

I have included the Transactions History I received from Bridgecrest, my Text Messages with their customer service, and an email i received showing they received a {$24000.00} payment.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Transfinancial Companies, Inc (LA)

Upon looking at my credit report ( XXXX ) i noticed that transfinancial co. added a debt to my report that was in fact already reporting. Therefore they duplicated the same debt. Causing my credit score to drop significantly. I have also sent them a certified letter stating that i would like debt validation from them not verification and have yet to receive a response.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had received a check from my Grandma for {$25000.00} and I had made a mobile deposit with the XXXX bank on XX/XX/XXXX before XXXX as it stated on their app if I deposit my funds between certain hours I will be able to have access to my funds the following day. Unfortunately that was not the case once I was notified that they will be holding my check until XX/XX/XXXX. I had asked them to remove the transaction completely I will be going somewhere else to do my business because I need my funds today as I was gon na be traveling out of state for family matter. They again denied me that opportunity. Once I had spoken to multiple people about me having access to my funds and I had gotten nothing but an answer as a " No '' I had given up and decided to start contacting higher management who would be able to help me resolve this issue.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.
Consumer complaint received 2022-12-12
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. (LA)

LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be XXXX XXXX Accurate, XXXX XXXX  Verifiable and XXXX XXXX  complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA 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 ACCT # XXXX XXXX XXXX  ACCT # XXXX Violation : Double Jeopardy/invalidated collection/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 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 information to be inaccurate.
Consumer complaint received 2023-02-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent 2 letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.
Consumer complaint received 2023-02-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I went to the car dealership and they advised me that they were not going to run a hard pull on my credit and in turn, they ran multiple hard inquiries without my consent.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and XXXX XXXX XXXX  are using my incorrect information on their credit reports, as well as addresses I have disputed, and they have lied, committed forgery, fraud, and violated the FCRA and Trafficking Victim laws, as well violating my XXXX amendment right against cruel and unusual punishment, by allowing the name I was trafficked under to be used on my reports, and continue to deny the removal of fraudulent accounts, even though no law will enable them to keep fraudulent accounts on a credit profile, further showing what pathetic pieces of XXXX, XXXX truly is. They have also allowed the fraudulent addresses to remain on my report and have knowingly committed fraud.