davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I have tried on several occasions to work with the mortgage company and they denied the modification. But the problem is the mortgage company is not supposed to be practicing mortgages any longer and they sold my loan to XXXX. Now I have XXXX XXXX XXXX XXXX XXXX trying to foreclose on my home and take my to court on XX/XX/2018. Ocwen who is the servicing company is telling me I need to come up with {$15000.00} to stop the foreclosure.
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (TX)

I have called and told them on 3 different occasions that i could not make my payment due to a financial situation. I asked her to get a pay extension and she said yes as if i went into the store. I told her that it wouldn't be today but tomorrow. Then she continued to call me and all my references even after i set that up. I had informed her not to call my references as they don't know my personal life or money situation. And she continues to do it. She even called them today without even calling me about the loan
Consumer complaint received 2020-06-02
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: ALLY FINANCIAL INC. (LA)

I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (WA)

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX )
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2022 I was contacted by this company informing me I had a debt from Fifth Third Bank in the amount of {$920.00}. The collector immediately started threatening to file in court if I did not immediately settle the debt. I do not believe this debt is valid and the company is not allowing any opportunity to dispute the debt. The only information they are willing to provide is an account number they claim is a fifth third account. However upon contacting Fifth Third, on XX/XX/2022 I found this number is not a valid account number with Fifth Third. I also received a letter today again stating that this debt would be filed in court. Upon calling the company I was told they dont have to provide any validation of the debt and if it wasnt paid immediately it would be filed in court. I have attached a copy of the letter received for information. 

I did have an account with Fifth Third many years ago, but if there was any outstanding balance on it, it would have been included and discharged in bankruptcy approximately 10 years ago.
Consumer complaint received 2018-03-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NY)

I was a cosigner on my daughters student loans. The primary signer was XXXX ( my daughters mother ). Upon my daughters graduation, I was never notified of any amounts owed. The mail and delinquent notifications were being mailed to XXXX directly who lives in a different state. Unfortunately, XXXX and I do not have a good relationship and do not speak. We were never married but share a child together. I realized there was monies owed when the delinquency hit my credit. I am in real estate and monitor my credit through another agency. Maintaining good credit is crucial for my business. I reached out to XXXX notifying them that I had never received any mail or notifications. I paid off the loans in full ( approx. $ XXXX ). I would greatly appreciate if this situation could be investigated or can be taken off my credit report.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail  alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. Portfolio recovery associates have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

I received a letter from The Receivable Management Services LLC ( debt collection agency ) dated XX/XX/XXXX that I owe a debt of {$34000.00} to my former employer. I dispute the validity of this debt. 

It has been over two years since I left my previous employer and the letter indicates that debt is from XX/XX/XXXX. The letter did not include any signed documentation or a contract signed by me that I owe this debt. I dispute the validity of this debt.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/2018 Dear Sir or Madam : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with LOBEL FINANCIAL CORP. I am not responsible for any charges made to this account. Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. Thank you for your assistance Please investigate this matter and correct the fraudulent debit of {$8000.00} as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mountain Land Collections, Inc. (UT)

This medical account is paid off since XX/XX/2017. My medical information was shared without my consent to the collection company. More than just my name, address, and amount owed. Procedures were also sold to this collection company. This goes against HIPPA regulations.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXXXXXX is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (LA)

I initiated a sale of bitcoin via the Coinbase website where I hold an account. The sale was supposed to finalizeXX/XX/XXXX. However I never got my money. The amount was taken from my account. The Coinbase website lists this transaction as completed. 

I called Coinbase support XX/XX/XXXXto find out what happened. I was told a ticket had been created for my question and support would contact me further. They have not done so. 

I called Coinbase support XX/XX/XXXXand was told that " the system is down '' and no one, not even support staff, could see what happened. There is no date when the system will be restored. 

I've filed another complaint with Coinbase asking about my money. 

I still have money " held '' with Coinbase but it doesn't look like I will be able to get it back. 

From the Coinbase site ( about the transfer in question ) : Sold XXXX BTC for {$1500.00} USD. 
Payment will be sent to XXXX - Total Checking XXXX by Friday XX/XX/XXXX 

The sale was marked as completed :XX/XX/XXXX XXXX ( this is the reference number provided by Coinbase. ) As of XX/XX/XXXXI haven't received my money or heard back from the support staff. Please help!
Consumer complaint received 2022-07-20
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. (LA)

At the beginning of XX/XX/2022 an account with XXXX XXXX was reported to the credit bureaus, this account was established in XXXX of XXXX. I have knowledge of this account. I contacted XXXX XXXX Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on XXXX XXXX  website XXXX but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into XXXX XXXX isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing to request a dispute a late payment that is inaccurately reported on my credit credit report under on my Transunion. I recently obtained a copy of my credit report and identified an error in the reporting of a late payment, which is negatively impacting my credit score. 

Creditor Information : Creditor Name : XXXX XXXX Account Number : XXXX Was 30 days late XXXX time I kindly request that you conduct a thorough investigation into this matter and promptly correct the inaccurate late payment entry on my credit report. This discrepancy is adversely affecting my creditworthiness, and I believe it is crucial for it to be rectified. 

Thank you for your attention to this matter. I appreciate your prompt resolution of this dispute. Please keep me informed of the progress and any updates related to this investigation.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.
Consumer complaint received 2018-03-05
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: FC HoldCo LLC (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask XXXX XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX XXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Consumer complaint received 2022-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I was a victim of identity theft and from the period of XXXX there were hard inquiries to all three credit bureaus. Later it was discovered that there was a fraudulent loan issued. On XX/XX/XXXX I placed a credit freeze and fraud alert with all three credit bureaus, XXXX. XXXX and Equifax. XXXX and XXXX worked with myself and the creditors to get all information removed from my credit report, however Equifax has made this process extremely difficult and time consuming and are refusing to remove the four hard inquiries on my credit report with information provided to them. Two of the Credit agencies in which the fraudulent applications were made and represent two of the hard inquiries, sent letters confirming the fraud and indicated they would notify the agencies to get them removed. Equifax claims never to have received them. I sent a large fax on XX/XX/XXXX which included a police report and FTC report., and the two letters regarding two of the hard inquiries confirming that the inquiries were fraudulent.. I phoned them on XX/XX/XXXX and they indicated that the FTC report had to include the specific inquiries in their file. The FTC only allows 3 to be listed and I had 13 hard inquiries from the 3 agencies. I then sent them another fax on XX/XX/XXXX including another claim with the FTC with the specific inquiries, and phoned this morning and they indicated that it is not in my file and it may take 5 business days to process and once complete, I will get a notification of the results by mail. I don't know if at this point it will be adequate as each time I contact them, they want something more. I have attached a copy of the faxed documents excluding my identification, which was included in the fax to them.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

On Wednesday XX/XX/2021 I was on XXXX XXXX and inquired about availability. The seller sent me a message on Messenger to inform me that it was available for either pick up or they would ship. I have made many purchases through XXXX and ebay and was informed that payments are handled the same way, the seller gets paid once the buyer receives the item and it is as described. I have never purchased on XXXX marketplace using online payments but have noticed may sellers offering to ship. I paid the seller known as XXXX {$250.00} using my XXXX XXXX XXXX card using the link provided to purchase a Macbook Pro and saw no warning regarding the potential for scams. I also did not worry because of the protection on purchases. Unfortunately the following day my inquiries over shipping and tracking were returned and all traces of the seller have disappeared. I contacted NFCU and was told that since this was a payment to someone on XXXX the payment was not protected and I was out {$250.00}. The transaction was still listed as pending but they refused to assist me or take a report. No where did it state it was transfer to the seller and my receipt from the transaction confirms it was for a Macbook Pro.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

Three years ago, I opened a SAVINGS ACCOUNT at Wells Fargo -XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX I enter the bank with a cashiers check that I had received from a customer Drawn on XXXX XXXX XXXX XXXX, I felt it was weird to receive payment from a bank with no Minnesota Branches ( at that time ) I ask my personal banker to call and to verify that this in fact was a good cashiers check ( {$1800.00} ) she did and confirmed it was good. I then deposited in my account, the next day I returned to withdraw some of my money to pay bills. three days later I came to the bank to make a deposit and Wells Fargo had closed my SAVINGS ACCOUNT. I heard nothing more from Wells Fargo!! Within the last week, I went to a local bank to open a new Business Checking Account. I found that my name XXXX XXXX is on this black list " XXXX XXXX '' and as turned down by because money owed to Wells Fargo. Wells has every right to collect any money owed to them and had every right to close my account even thou they verified my deposit, BUT AS I READ THE RULES AND LAWS, NO ONE HAS THE RIGHT TO BLACK LIST ME AND MY NAME ON A DEPOSIT THAT WAS APPROVED BY WELLS FARGO- I have file with the OCC and repeatedly spoke to the branch and branch mgr XXXX XXXX and she says its proper to blacklist me! 
I PRAY FOR YOUR IMMEDIATE HELP IN HELPING ME CLEAR MY NAME IN THE MATTER AND GETTING MY NAME OFF THIS " XXXX XXXX ''
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OH)

Account/Product Type : Mortgage Loan Complaint My mortgage loan has been sold for a 2nd time since XX/XX/XXXX of XX/XX/XXXX, Original loan holder was XXXX, the principal balance prior to the loan modification was XXXX after the loan modification was completed the loan went to XXXX with adding Escrow fees. Then in the process of closing the deal for the loan modification with XXXX the loan was sold to Caliber Home Loans after talking with them about the loan modification with XXXX they honor it and I started paying them the mortgage, Now I get a letter saying the loan was sold again to XXXX XXXX XXXX  as of XX/XX/XXXX received that letter on XX/XX/XXXX mortgage has been sold again to XXXX but the balance was is XXXX what the heck! 
But Caliber Home Loan is still the servicer.
Consumer complaint received 2022-04-28
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. (NJ)

This company has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt.

15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permissio
n of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681 section 602 A. states I have the right of privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card.

15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.