davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 FM XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & A, XXXX XX/XX/XXXX XXXX & A, XXXX XX/XX/XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and Transunion without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Consumer complaint received 2024-02-17
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. (PA)

I have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX XXXX XXXX. I have never been late. This is an error. The account number is XXXX and the date is XXXX XXXX XXXX This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this. 
My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.
Consumer complaint received 2022-09-07
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: ENCORE CAPITAL GROUP INC. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is follow up to my prior complaints ( XXXX and XXXX ). In my complaint XXXX I followed up on inappropriate delinquency reporting to credit bureaus for there specific months. Unfortunately, SPS is reporting inappropriately for additional months ... XXXX, XXXX, and XXXX XXXX. Let me be clear ... SPS should not be reporting any lates on either my first or second loan accounts with them ever. I want the three months referenced above and any others, corrected. I contacted XXXX at SPS ( as she was the one who sent the letter to me confirming correction of the credit reporting for XXXX XXXX, XXXX XXXX, and XXXX XXXX ) to address the additional months identified above ( XXXX - XXXX XXXX ) and left a message for her to return my call three weeks ago and have yet to hear from her, thus I am filing another complaint to resolve the matter. 

Regards, XXXX
Consumer complaint received 2019-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KS)

I currently have a HELOC with Shellpoint Mortgage Servicing. I am wanting to pay off this loan and when I go to the company website it allows me to obtain a payoff as of the current day. When I do that It shows a principal balance of approximately {$27000.00} and interest due of {$500.00} with a per diem of {$6.00}. The amount of interest due of {$500.00} is roughly 72 days of interest. I make a payment on this loan every month in an amount that exceeds the interest due and the difference goes to principal. I have never missed a monthly payment so do not understand how I could possibly owe over 2 months of interest at the payoff. I have called the company several times and they can't give me an answer except to tell me to e-mail them. I have done this but still have not got an answer. 

I just want to get this paid off but I don't want to pay more interest than is due.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

My husband and I filed for bankruptcy in 2015, case  number XXXX. XXXX has this on my credit report twice. I have disputed this three times online and attempted to contact them via phone, however after being asked to hold by the rep and left on hold for over 20 minutes, I could no longer hold. How can I get this corrected to where it only shows ONE time? I contacted XXXX XXXX, they advised the public record search only shows the bankruptcy once, not twice as Equifax has reported.
Consumer complaint received 2024-02-17
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. (WA)

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 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/2018 Reff. : # XXXX I received a voicemail on XX/XX/2018 from XXXX XXXX informing that she send all requested documents to the CFPB and to my address. Today is XX/XX/2018 and I never received the documents by mail. I left a message to XXXX XXXX to call me back immediately she left the message and i still do not have a return phone call from her. I accessed the information in The CFPB and I can not see the the copies of the evidence of checks on the Account # XXXX. I am still confused on how they got to that amount. 
Once again, I am only requesting evidence of copies of checks with signatures to confirmed all transaction made on this account. 

Thank you, XXXX
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Electronic payments initiated by my bank were rejected and then a fraudulent late fee was applied. I have bee making payments by the same method for years and this has now happened for the past 2 months. My account is reflected as past due and I've never had a past due payment in my life. This will impact my credit score. When I call Comenity Bank to complain, I am on hold for hours and never get anyone to assist me.
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MO)

I have been placed on REPAY, and was informed that when I made a good faith payment that it had taken care of my payment in order to get my loans in a better payment option. I have been informed by Fedloan ( PHEAA ) now that I have to make another payment of the same amount because my " good faith '' payment that was already made was satisfying the month previous to the payment, even though I was on a forbearance. This is not the first time that FedLoan has mistakenly informed me of regulations in regards to my loan repayment options. I am not sure that I will actually be forgiven at the end of the PSLF because it seems that they are n't sure of what their supposed to be doing.
Consumer complaint received 2024-02-17
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. (DE)

I disputed incorrect information on my credit report on XX/XX/2023. This information is still being reported and its inaccurate, even after providing proof of documentation.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

My cell phone with my drivers license debit card and social was stolen from the XXXX XXXX in XXXX 2015. I filed a report with the casino and canceled my cards and ordered a new phone. It was n't until XXXX 2015 I got a statement from a credit union I never heard of which made me realize my identity had been stolen.The person had open an account and received a payday loan not to mention applied for cars online. Ive been battling with the credit bureaus ever since. Some of the info has been deleted except the XXXX hard inquires that were not authorized by me. Even XXXX is XXXX and Ive been with XXXX for 8 years. I have a fraud alert and I plan to put a freeze on my credit once I get this straighten out. Please assist me with this matter.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (FL)

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 1681. 

Here are XXXX XXXX that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX For Equifax please remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I upgraded to a XXXX Spirit Airline Credit Card back in XXXX. 
I have used the card exclusively to obtain air miles. I went to use those miles XXXX recently only to find out that the miles expired because I was n't using the card. I explained to both Bank of America and to Spirit Airlines that I have charges an average of XXXX to XXXX a month ( I can provide statement print outs for the last 12 months of charges in excess of XXXX each month ) - ( I can provide the last Spirit Airline statement ). 
Hours on the phone waiting, waiting and waiting ... prompts and then folks who can not really help. 
Are these Cards Scams? Should I really be using these types of cards?
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX : Bankruptcy Reference Number XXXX
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company has violated my rights. 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 an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including XXXX, TransUnion, and XXXX.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc. (GA)

Reached out to the company Sezzle, about an account that I never had. They never responded and it is lingering in my credit report. They are reporting inaccurate information and I need it removed effectively ASAP.
Consumer complaint received 2017-02-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc. (TN)

My Identity was stolen. The person who stole my identity went to the ER in Georgia ( XXXX Hospital ) and got a {$220.00} bill that was not paid. I sent a copy of the police report. Collections is still reporting to the credit bureaus.
Consumer complaint received 2017-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hello, I have a XXXX XXXX XXXX withdrawal issue with coinbase.com. I initiated the withdrawal on XX/XX/XXXX. More than 3 weeks later, the payment is still pending ( see attached screenshot ). I contacted coinbase 's support - Case ID : XXXX - and received the following response on XX/XX/XXXX : " XXXX XX/XX/XXXX XXXX Thank you for contacting us about this. We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' I replied multiple times asking for an update or estimated resolution time and got no answer since then. Please note that my coinbase account is fully verified and that past XXXX payments went through successfully. Thanks a lot for helping
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (AL)

I repeatedly applied for credit cards through Credit Karma, because the sight would say I was preapproved. I would not be approved for the pre-approved credit cards. Later receiving a denial later that would often be followed with a netspend prepaid deposit credit card that Id never requested that had outrageous terms of credit with ridiculously high APR.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a bank of America checking account and {$200.00} was illegally charged on my debit account from a company ( XXXX ) I have never heard of or used any XXXX services before. The said company is XXXX  ( internet provider? ) I already have an internet provider and have never been in touch with XXXX or tried to get an account with them. I'm currently working with Bank of America to get my money back, but wanted to bring this deceitful company to the attention of the Consumer Financial Protection Bureau... I suspect I'm not the only person being taken advantage of by XXXX XXXX questionable and illegal business practices. 

I tried with no luck to resolve this dispute directly with XXXX via tel, but their phone number is automated and no one can help me without an " account number ''. Please find the " merchant 's info below '' as shared with me by Bank of America. 

Merchant name XXXX  XXXX  info XXXX XXXX XXXX XXXX XXXX NM, XXXX XXXX XXXX XXXX XXXX tel : ( XXXX ) XXXX
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (LA)

I have never lived at XXXX XXXX a day in my life and have been staying in the same house for over 17 years. I have been trying to dispute 2 collections of the apartment for about 1 and a half years now from Carter-Young INC collections . Both collections have recently changed from XXXX to XXXX out of no where on XX/XX/2023 so now theyre saying I owe XXXX worth of debt which is truly insane. I do not owe this debt and would like to get it taken off my credit report. Also I have never received a letter of debt collection before that magically put this debt I do not owe on my credit report.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company is still reporting a paid XXXX tax lien whereas under the XXXX, I meet all of the qualifications and eligibility, per the IRS notice on IR- XX/XX/XXXX, XX/XX/2011