davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (NC)

I had a XXXXXXXX XXXX XXXX XXXX  that I have successfully paid off info and account is not closed. 

There was a second account opened with another user without my permission. I was not aware until I contacted XXXX XXXX and then filed a report for fraud with the company and have reported it as fraud with the credit bureaus. 
My next step is to hire a lawyer to have this removed, because this was fraudulently opened. 

I do not know if they are confusing. My current paid enclosed account with someone elses, but it is affecting me and my credit score and it should be against the law because I had no knowledge of this.. my next course of action is to hire lawyer.
Consumer complaint received 2023-06-06
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. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-01
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. (VA)

I have filed 4 hdispute claims with Experian regarding an account with XXXX for {$90.00}. I made a settlement payment to the collections conpany on XX/XX/XXXX and I provided documentation of the payment and a screenshot from XXXX 's app showing the posting of my payment to Experian 3 times. However, eash time my dispute has been completed stating that the company, XXXX, states that the account information reported on my credit report is accurate, which is fraudulent since I have proof that paymement was made and acknowledged by XXXX.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

This is my second complaint in two years regarding my mortgage servicer 's failure to pay the property taxes on my escrow. I have attached their response to my previous CFPB complaint, dated XX/XX/XXXX, in which New Rez acknowledged that it was obligated to pay the property taxes on my condominium parking spot, and further acknowledged that the taxes " were not paid on time due to an error made by our tax vendor. '' New Rez has yet again failed to pay the XXXX second installment and XXXX first installment property taxes on my parking spot. On XX/XX/XXXX, I e-mailed their escalations department to notify them of the error. On XX/XX/XXXX, they wrote me that " On XX/XX/XXXX, we made payments of {$350.00} and {$290.00} to XXXX County. We also paid the tax penalties of {$48.00} and XXXX to XXXX County at no charge to you. '' On XX/XX/XXXX, I checked the XXXX County Treasurer website and saw that, despite NewRez 's representations, the property taxes still had not been paid. I once again e-mailed NewRez 's escalations department on XX/XX/XXXX asking for the status of my payment. My XX/XX/XXXX e-mail stated " This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) '' and that " I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. '' As of today, XX/XX/XXXX, NewRez has not acknowledged my XX/XX/XXXX qualified written request or taken any action to resolve my inquiry. 

I have attached copies of all correspondence referenced herein, as well as the current payment page from the Cook XXXX Treasurer 's office showing the delinquent taxes.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (MI)

Crown assett management llc XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   were notified by the State of Michigan on XX/XX/XXXX that they would be receiving XXXX for a debt of XXXX that they have no right to collect in the first place. That leaves a balance of XXXX dollars. However my paycheck was garnished on XX/XX/XXXX for an additiinal XXXX dollars stating a balance of XXXX dollars is due. Why?

Crown Asset received the XXXX dollars along with a possible XXXX dollars on XX/XX/2018 which is a total of XXXX dollars. At this point with more to come.

I have never signed a contract with Crown Assett management, I dont owe them anything. Yet the garnishment is still on my pay check as of today to continue. I called Crown Assett mgt on XX/XX/XXXX and XX/XX/2018. The answer I got is " it is a process ''. No one can tell me how long. In the meantime I have XXXX  children to feed, while Crown Assett was already notified of the XXXX  dollars they were GUARANTEED on XX/XX/XXXX. Crown Assett garnishes my paycheck for an amount that they are not owed. Why is my check garnished and will continue to be garnished when you took my state taxes already. This is an overpayment, unfair, and abusive. Crown asset knowingly took an overpayment after already getting XXXX  dollars. They should have only taken XXXX dollars at the most. Why is Crown Assett this incompetent to a simple calculation as of XX/XX/2018. Why is this company allowed to garnish a consumer twice.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (IN)

I inherited the property in XXXX of last year, my mortgage company is planet home lending and I've complied with every single thing they have asked for during this difficult time of losing a family member along with their income, I offered to pay the mortgage payments until the house was in my name, the company refused on XX/XX/XXXX, I have the email, they consistently keep losing documents I've turned in multiple times, when my aunt passed it was in a forbearance bc she had XXXX XXXX in XX/XX/XXXX, she passed XX/XX/XXXX, so we got that but before she passed she was approved for a loan modification but passed before signing it all, I do have a real estate attorney and have done everything by the book, but they have decided to foreclose, ive applied for indiana homeowners assistance fund, and it is pending. I also have a bankruptcy attorney call tomorrow at noon, I have no where to go, there are 3 of us here and all of us are on XXXX or retirement, me, my mom and my son. I am making this complaint bc they are not doing their part by either not receiving documents or only partially receiving them even though ive uploaded the documents multiple times and I have all the emails to prove it. I'm being thrown under the bus here, I did nothing wrong and yet my home is being taken away. I need help asap.
Consumer complaint received 2018-10-23
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. (NC)

I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts. 
XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 2018
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 719transunion has me at a score around 590. 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-10-04
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. (IL)

I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for Experian
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Tired of being ignored month after month about inaccurate information which as never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted the credit reporting agencies, XXXX, XXXX, and TransUnion. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then XXXX ruined my credit with their glitch and has since dropped my score even further without a response or reason.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

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. XXXX XXXX XXXX XXXX Open Date : XX/XX/2013 Balance : {$300.00}. Please make sure this account was remove in my report immediately.
Consumer complaint received 2023-01-23
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. (TX)

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 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 2018-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX at around XXXX XXXX I was victim of internet crime. I was trying to make a transaction of money from my XXXX account into my Coinbase account. 
I was trying to convert Tron in lite-coins in my XXXX, in order to send to my Coinbase account and I couldn't, and so I decided to call to XXXX Customer Support number I found on XXXX. I called and immediately someone answered by the name : '' XXXX ''. He said he would help me resolve the issue and instructed me to give him access to my XXXX account. Then he said there was something wrong with my Coinbase account and that this was the reason for why i was not able to do the transaction. He then asked me to give him access to my Coinbase account. Within a minute, I had no balance on my Coinbase Account, where I previously had 2 bitcoins and 8 lite-coins for an amount of {$22.00}. I asked him why my balance was at XXXX and he said that I would have to wait a couple of minutes an the hung up. In my desperation, I called again and no one picked me up. I searched for other number to call and they did not pick up either. I finally received a call back from one of the numbers I had previously called. I spoke to " XXXX XXXX '', and he told me I was hacked, and that in order to retrieve this money I would need to send him {$1000.00} in Gift Cards. I did not believe this and hug up. I have contacted to coinbase immediately explaining and they told me to file this report at that time. 
The numbers that I called were supposed the Customer Service Support of XXXX are : XXXX - this is the initial number I called, where I talked to XXXX. 
XXXX - Extension XXXX this is the number that called be back and asked me for XXXX $ in Gift Card, XXXX XXXX ... and few days after still was calling me at home. 
XXXX ; XXXX ; XXXX ; and XXXX, these number are still on XXXX as a XXXX Customer Services, and timing every day. They do not only stool my 2 bitcoin and 8 litecoins from Coinbase, they also stool my IOTAS and TRON from my XXXX Account ( around {$3.00} ) I am so desperate. 

In other hand I had Money in transit from my bank account to Coinbase at that time for XXXX $ us that is why this hackers did not took that amount too. Coinbase sent me a confirmation of that amount arrived on my account on XX/XX/XXXX, but I couldn't see even that statement, because since Coinbase knew about this problem and received this complaint, they blocked my account I understood that, but since that time, I have been calling every day ... but nobody tell me what is going on, I dont't know nothing about the amount of XXXX $ and even they told me that the other amount of XXXX $ is on my account, I never have access to my account, they said that they will communicate with me, but it is almost one month, and I don't have any news from y money or my account.
Consumer complaint received 2020-07-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2018-07-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MI)

Vanderbilt Mortgage and Finance Inc will not remove the PMI from my house payment. The law is clear. at 78 percent they have to remove it. 
The orginial loan was for XXXX. 
the original contract date was XX/XX/2013 outstanding balance is Principal Balance {$120000.00} i have email them asking them to remove the PMI They say it is only at 80 percent. Not according to the precentage I have. it is currently at 78 percent not the 80percent they claim. 78 percent of XXXX is XXXX if you take the XXXX from the orginial amount of XXXX that equals XXXX. 
the only reason they are trying to not remove the pmi is because it benfits them. AND vanderbilt keeps all of that money {$90.00} a month then sends it to federal at the end of the year. I have not been behind my mortgage I am current, and never been 30 days late. They dont have a solid reason not to remove it. 
They sent me a letter telling me that I had to have a appraisal. The law is clear at 78 percent they have to remove it ..
Consumer complaint received 2018-04-10
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. (MO)

XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - Equifax, XXXX XXXX - XXXX, and XXXX XXXX - XXXX. I am complaining again because I was not satisfied with any of the responses.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (MD)

XXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXXXXXX XXXX ( Finance ) XX/XX/2024 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-05-01
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. (AR)

I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.
Consumer complaint received 2018-07-29
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. (MO)

CFPB, TransUnion is in direct violation of my rights under the FCRA. I recently informed TransUnion on XX/XX/2018 of an account that is being reported by a company that did not prove legal ownership of the account that is said to be owed to them ( attachment A ). XXXX XXXX XXXX is reporting account number XXXX as an unpaid collection. I do not owe this company anything! TransUnion states that they have verified the account belongs to me ( attachment B ), but did not verify that the reporting agency legally owns the account that they are reporting. TransUnion has not provided me with ANY supporting documentation such as a purchase agreement or bill of sale for this account that would assure me that this account is now owned by them. TransUnion never provided me with an original contract bearing my signature either. TransUnion can not place the burden of proving accuracy on the reporting agency as it is their job to investigate my dispute and obtain appropriate documentation to prove the debt is valid and is rightfully owned by the reporting agency. TransUnion suggests to reach out to the reporting agency when it is their job to prove accurate furnishing of my file. This account is not owned by this company as they have not proven legal ownership, therefore, I owe them nothing and they can not report anything on my credit report.