davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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. (GA)

I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXX XXXX XX/XX/2020 TransUnion XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 TransUnion
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$14000.00} the aforementioned items are UNKNOWN to me. you are required to remove/block the items in my file that are fraudulent and erroneous. 
Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2023-06-27
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)

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 1666A 1666B 1666C 1666D 1666E and 1666F. XXXX XXXX XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Consumer complaint received 2023-01-24
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. (NC)

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 2018-11-05
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. (SD)

XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Consumer complaint received 2019-12-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 2288984 Ontario Inc. (TN)

On XX/XX/2019, I submitted a written email three ( 3 ) business days PRIOR to the date of my next loan payment and revoked authorization for an ACH withdrawal. Within in a few hours of that same day, XX/XX/2019, I recieved a written response from an agent, XXXX, who stated via the email below that they received the response, turned off ACH and that they would not direct anymore withdrawals from my account. On XX/XX/XXXX, the company made an automatic ACH withdrawal without notice. 

Hello XXXX, Thank you for your email. 



We have received your your request and have turned off the ACH Authorization accordingly. We will not direct any automatic payment request to your banking account. 



Please remember that now you will need to call us on your due dates to make the payments with a debit card. 


If you have any questions you can call us at XXXX during the business hours of XXXX XXXX XXXX XXXX and an agent will be able to assist you. 


Best Regards, XXXX. 


MoneyKey Customer Care P : XXXX XXXX XXXX XXXX F : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (LA)

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.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

I have requested an adjustment on my escrow amount for property taxes. First, I asked the mortgage origination company representative XXXX XXXX to not escrow since I was making a substantial down payment. She told me it was too late in the process to change it but as soon as my mortgage got sold to a servicing company they would waive it. 

When I was notified that Roundpoint Mortage Servicing Corporation was now handling my mortgage, I contacted them and requested that escrow be waived. They told me I had to have one year of on-time payments before they would review it. I pointed out that my tax bill was {$520.00} and my current escrow amount is {$4300.00}. And, an additional {$330.00} would be added to my escrow balance each month with my payment. 

They said they didn't have the bill from the county. I emailed them a copy of it and contacted them again today. Now, they say they need eighteen months of on-time payments before they can review my escrow account. At that rate, they will have over ten times the amount of money in escrow that they need to pay my taxes. This is unethical to me.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/XXXX i received a letter from Mr. Cooper Mortgage Company. I believe they changed their brand name, the company is known as Nationstar Mortgage LLC. The letter was to inform me that our mortgage was going to increase monthly by the amount of close to 3,000 dollars. The reason was because of an errant escrow payment they made of over {$27000.00} dollars to my local tax collector. I called to let them know of the obvious mistake and there was no one available to speak with. I mean literally someone on the phone told me there is no one to talk to about where these monies where spent and how a mistake could be made. I was told they'd look into and that was it. I'm still on the hook for a mortgage almost 3,000 dollars more than I usually pay every month. In 7-10 business days i would get a call back. But that's all they can do. They can provide no information on how the mistake was made and once the decision is made in 7-10 days they didn't have an answer to the next step if they don't make a change to the wildly incorrect amount or when the money would be returned. 

Further. When we purchased our home we put down less than 20 % so were required to pay PMI amount until 5 years had passed or we achieved a balance owed of less than 80 % borrowed. We achieved that. When called to have the PMI removed it was told to me that i had to pay to have our house appraised in the amount of 400 to 700 dollars ( then couldn't tell me how much ) to assure the house has maintained value.  That wasn't what we signed i kept the closing documents. She then told me on the phone that she was just going by a computer program not what our actual documents said. How does that even make sense? 

This isn't the only time we have had serious issues with this company but definitely the most recent. I would strongly encourage anyone to steer clear of this company.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc (NY)

Dear XXXX XXXX Customer Service, I am writing to express my concern regarding a loan that was reportedly taken out for a flight to XXXX XXXX, which I did not take. I had requested the cancellation of this loan through a customer support representative, but unfortunately, the loan was not canceled, leading to missed payments with Uplift. 

I have since paid off the loan in full, despite not having taken the flight or benefited from it in any way. I kindly request that XXXXXXXX XXXX provide me with details regarding this flight that was charged to me and for which I had to pay XXXX. 

Flight Details to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX I was unable to make the flight due to illness and had concerns about potentially transmitting the illness to others on the flight. Hence, I requested the cancellation of the flight. 

While the bill has been paid off in full, there are still negative items on my credit report that are adversely affecting my financial health. I would appreciate your assistance in resolving this issue and removing any incorrect negative reporting from my credit history. 

For your reference, here are the details of the payments made towards the loan : Total Loan Payments ( to date ) : {$650.00} Purchase Total : {$690.00} Initial Payment : - {$66.00} Down Payment : {$53.00} Origination Fee : {$12.00} Loan Amount : {$630.00} Interest Charged : {$82.00} Total Loan Payments : {$720.00} Remaining Payments : 0 Loan Payoff Balance : {$0.00} Principal Balance : {$0.00} Interest Balance : {$0.00} Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Consumer complaint received 2022-12-03
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collectionsXXXX Date updated : XX/XX/2020 Amt : {$870.00} Disputed : XX/XX/2020 XXXX : File # XXXX, dated XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Placed for collections : XX/XX/2020 Date updated : XX/XX/2020 XXXX Amt : {$870.00} XXXX Credit Reporting Agency : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX # XXXX XXXX : {$870.00} Disputed on XX/XX/202XXXX XXXX # XXXX On XX/XX/2020XXXX XXXX XXXX  XXXX, sent a letter of collections on the same XXXX account of {$870.00} offering to settle for XXXX XXXX of the outstanding balance or {$690.00}. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Mail to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After disputing a collections account to both, XXXX and XXXX Credit Reporting Agencies, I received a response from XXXX XXXX XXXX XXXX, stating : " This debt is valid, attached is verification of the debt. 

Note : A partial bill encloses with the above response incorrectly states that the date of billing is XX/XX/XXXX- XX/XX/2020. As provided above, this debt collection goes beyond the XX/XX/2020 date as this debt collection had been in dispute before that above mentioned date. So the dates provided in XXXX XXXX is in error and should be removed on that standing alone. 

The amounts provided by XXXX are also in error, stating an amount of {$870.00} and not the original amount as provided in all of the above documented items. 

i am compelled to believe that XXXX XXXX is generating documents that have been fabricated and are falsified. 

I am a XXXX year old man with a XXXX XXXX, XXXX and XXXX XXXX XXXX on continued medication. I do not need to be focusing on continued deceptive debt collection practices. 

The response received from the debt collector appears to be fabricated, Dates are incorrect. No signature of contract. 

Please see if you can help me out on this matter. I am available at the below indicated cell phone number or at ( XXXX ) XXXX. My email is : XXXX XXXX
Consumer complaint received 2023-01-19
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. (PA)

My name is 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.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-24
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. (NC)

This is my 6TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an email from XXXX XXXX stating they were charging me {$730.00} for my membership. I called the number indicated on the email to inquire about this letter. They informed me that this was a mistake, and they would credit my checking account. I had a XXXX XXXX account in the past due to company doing a background check on me for a XXXX XXXX XXXX. The company was hacked, and we were giving XXXX XXXX to protect our information. 

I trusted the company, so I allowed them access to my checking account. The people from XXXX XXXX then withdrew {$29000.00} from my account. I immediately hung up the phone and contacted Bank of America 's Fraud Dept. BOA took my information and started the investigation. I was instructed by BOA to sign into XXXX and complete a complaint form. The next day, a detective from the XXXX XXXX police department contacted me and took my information. 

For over 60 days, I contacted BOA Fraud Dept once a week. I never spoke to a supervisor. I spoke to customer service rep every time I called. I was always told they are still investigating my claim and they had a lot of other claims they were working on. 

Finally, after 65 plus days, a customer service rep informs me that BOA Fraud Dept can't get the money back and they claim was closed. They were contacted within an hour of the event and should have been able to stop the fraud. In the past week, my debit card has had someone trying to make charges to it 5 times. This is after BOA issued me a new card. I no longer feel my money is safe at Bank of America.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Previously, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$740.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00}
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

XX/XX/2023 I notice that XXXX cent had been transferred out of my account to another by using XXXX! I call PNC bank to tell them about it, they said they would investigate, across they said I did it after I told them my email has been compromised on the dark web! With that being said my email is hook to XXXX and my bank account! I change my password like they said! But just got a letter saying its my fault, how is PNC able to investigate XXXX when they one of the owners! This is fraud alway around and PNC is involved in a class action lawsuit because of XXXX! Not right Im getting a lawyer involved, I did not transfer no money to this person! If anyone no how they can help me my email is XXXX XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (TX)

Bank refused to send me the XXXX  transactions for XXXX XXXX bank my money was taking out unauthorized and the dispute was denied super fast dont remember the amount but in order to get a police report I would need the grand total of the XXXX XXXX XXXX XXXX and a copy of all the XXXX XXXX XXXX XXXX I can file a police report and recover my funds currant bank refused to assist me and I want a dispute claim to be reopened