davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-04-28
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 am filing a complaint with XXXX  because I advised them that these inquiries on my credit report were due to fraud and they have not removed them from my report. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These Inquiries need to be removed immediately due to fraud. 

I am filing a complaint with Transunion because I advised them that these inquiries on my credit report were due to fraud and they have not removed them. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2018-01-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (TX)

Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XX/XX/XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder XXXX to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called XXXX the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called Real Time Resolution who said the debt was sold to them and they are collecting it. Real Time Resolution is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally XXXX should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and Equifax refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against Real Time Resolutions and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.
Consumer complaint received 2017-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (IL)

To whom it may concern : On XX/XX/XXXX I was notified through XXXX credit monitoring that a collection appeared on my XXXX credit report from Capio Partners , LLC for {$500.00}. After contacting the company, I submitted a credit to all three bureaus as this was not my debt nor a provider I was familiar with. After investigation, the items was removed from all three credit reports mid-summer. 
However, after the item was removed, it has reappeared under a slightly edited name on XX/XX/XXXX and again on XX/XX/XXXX. Instead of being listed as Capio Partners , LLC it is now appearing on my report as XXXX XXXX XXXX/CAPIO Partners. As reported previously, this is not my debt. The continued appearance of this on my credit report is causing undue harm as I am in the middle of a home equity loan approval process. The reporting not once but twice within 3 weeks caused an 88 point drop to my credit score. I believe the name change combined with reporting this incorrect item twice in less than a month is an abusive practice. This is not my debt and was previously resolved. I am hoping the Bureau can assist me in getting this resolved. 
I have reached out to all three bureaus for assistance, but I am concerned the company will continue this practice and just keep changing the name and submitting to my credit report. As this is not my debt, I want this error permenantly cleared. 
Thank you for your assistance.
Consumer complaint received 2022-01-06
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 have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2018-01-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Loan not in my name, grand deed done XX/XX/XXXX and have power of attorney dated XX/XX/XXXX, know loan not in my name but power of attorney is exclusive for the loan, modification etc. faxed paperwork XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was all complete, have a rep but rarely calls back, always loosing paperwork etc. Called XX/XX/XXXX was on hold for over an hour, per california law loan was never reviewed for modification, rep was on vacation, transferred to 6 different departments, finally loss mitigation rep said would have a manager call me back the XX/XX/XXXX or XX/XX/XXXX, NO CALL! Paperwork was in before sale date, have proof of everything and yet to have a return call WITH MESSAGE LEFT! My cousin has been faxing, calling, faxing, yet no one responds back!
Consumer complaint received 2024-02-20
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. (TN)

TransUnion and XXXX failed to provide proof that XXXX XXXX XXXX XXXX  has permissible purpose to report on the consumer report. 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) states that a lender must have written consent from consumer to report. XXXX vs TransUnion is a case law that was won by a plaintiff for failure by TransUnion and XXXX to provide proof of permissible purpose. My next step is a lawsuit. Please remove this account due to failure to show proof of permissible purpose by the agency.
Consumer complaint received 2021-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from Capital One and I also filed an identity theft packet directly with Capital One. Capital One responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with XXXX, XXXX, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. Capital One was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with Capital One directly and Capital One insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and Capital One is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!
Consumer complaint received 2018-01-10
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. (PA)

written XXXX letters on XX/XX/XXXX, and informed them that I am a victim of XXXX, Experian security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries doe not belong to me : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

I sent a transaction from one wallet to another on the site. Reference code XXXX. 
The transaction sublitted on XXXX/XXXX/XXXX and was stated to be transferred on XXXX/XXXX/XXXX. 
It is now XXXX/XXXX/XXXX and the item is stuck in pending. 
I have done various other transactions with the same parameters and they have cleared fine. 
I have contacted the company through phone call 4 times and email XXXX and have been promised it will be cleared that day with no response or action after that.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I have had a Coinbase/XXXX account for approximately 8 months now, as of XX/XX/XXXX my XXXX account was locked with the message " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX " when i reached out to support via email or phone all i am being told is that a specialist has to unlock my account but no one can tell me exactly when that would be. I have read reddit and see i am not the only one having this problem, some people claiming to be waiting upwards of 60 days. I had asked for them to write me a check for the amount owed to me which is around {$6900.00}, I do n't have the exact amount due to not having access to my account. But was told nothing could be done till the specialist unlocked my account. Its going on a month that i am unable to withdraw my funds, i would think it would be borderline illegal to be doing so. Without making a valid attempt to retrieve my account and get my assets back into my possession! Please help
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX my balance with JCP was {$3000.00} with a credit limit of {$3500.00} so I applied for a increase of {$6000.00} and was granted {$4000.00}. On XX/XX/XXXX I placed an online order that totaled {$1600.00}. On XX/XX/XXXX I checked to see how much my payment due was and the available credit reflected I was negative {$670.00}. I immediately called the bank to figure out how my account was over the limit and my credit line was increased. I was told by XXXX that my last purchase caused the account to be over the limit and the credit line was only increased to {$4000.00}, but we could not understand how the transaction got approved. XXXX tried to increase my credit to cover the {$670.00} but I was denied and was told to contact JCP.com. On XX/XX/XXXX I spoke with XXXX at JCP.com and was told my transaction got approved because they took the system offline and transactions can go through during that time even if the customer does not have the credit available. I have been a customer since XX/XX/XXXX, never missed a payment and have never charged over the limit. The company gained XXXX XXXX sales at the expense of my account being taken over the limit and my credit score has dropped.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

I accidentally put in an incorrect reference number when i was making an international payment to coinbase for my account, and I have contacted my bank XXXX who have not been able to tell what has happened, only that they are not able to trace the money as coinbase now have it in their system. Coinbase have absolutely no customer service and it is disgraceful, they should not be allowed to operate as the no1 cryptocurrency investment site. I have tried to message their support team on the website providing all my details, I had my bank amend the transaction so the correct reference number was added to the payment but I have heard nothing from coinbase, and I have not been told there has been any interaction between coinbase and XXXX. How can a site as big as coinbase is now not have a telephone service running which I can call? It is shocking and have never experienced anything like this. I simply want my money to be placed into my account and to have some interaction with coinbase as they are leaving others like me in the dark as I am not the only one to have issues with their customer service.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Works & Lentz of Tulsa, Inc. (OK)

For over two years Works and Lentz has sent letters to me stating that a lawyer would sue me if I did not pay a medical debt, On the phone Works and Lentz has repeatedly called and informed me that a lawyer has reviewed my account and will be coming after me.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (IA)

I received a letter in the mail on XX/XX/XXXX indicating that the interest rate on my Chase Freedom credit card would be increasing from 8.24 % to 13.24 % in XX/XX/XXXX. Given that I have held this account for over 10 years, with no missed payments, and holding an excellent credit score, I called and sent messages to dispute the increase and attempt to negotiate a lower increase to my APR. The Customer Service reps used several tactics to dismiss my request, including saying that it was too late to dispute the increase, that the changes are to align my APR with APRs currently being offered, that my interest rate is variable and periodically increases due to changes in the prime rate, and finally dismissing me by saying I do not have an option to dispute the rate increase ; I could either accept the increase or close my account. My responses to these dismissals were that I had just received the letter indicating the increase that day, so how was it too late for me to dispute the increase? Regarding aligning my account with current APRs being offered, I interpreted this as being penalized for being a long-standing customer. I indicated my understanding that my APR is variable, but that a 5 % increase was exorbitant. Prime rates have increased by approximately .75 % in the past year, so why is my interest rate increasing by 5 %?
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

The following message is being sent multiple times during the week with no recurring schedule. This transcript was captured by our XXXX  voicemail system. 

" This message is from XXXX XXXX XXXX calling on behalf of XXXX XXXX XXXX. You may log in to our website at XXXX or call XXXX for further details to make your payment in full. You will need your reference number and ZIP Code. '' - XXXX Mailbox XXXX has a new voice message from NAVIENT ( XXXX ). 
Length : 28 seconds Received on : XX/XX/2021 XXXX ( CDT ) There has been no written notification of any debt as required by federal law. We have no reference number. That has kept us from returning the calls because of the obvious scam. There is no information that identifies the recipient of the call, so this is apparently a generic robocall. The web site listed is " under development '' and not a functioning web site. XXXX 's home web site is also not functional. 

There is no debt owed to our knowledge. There has been no hit to our credit rating XXXX XXXX  : XXXX out of XXXX XXXX, so this is not a legitimate claim. The use of Navient implies a student loan is involved. This phone number is relatively new and was not in service at the time any of our children were in school. We have disconnected the phones in the home in order to avoid a daily recording of these messages.
Consumer complaint received 2018-01-10
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. (FL)

The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Consumer complaint received 2021-07-13
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. (FL)

Based on the information, I will provide below, I AM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT/CREDIT FILE BY XX/XX/2021. 


Please remove it from my credit report/file. 
1. DEPTEDXXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2018-01-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (KY)

I am writing to inform you that Caliber Homes Loans has refused to close on the property located at XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX had agreed to the closing date XX/XX/XXXX, as well as signed the second amendment on XX/XX/XXXX for extend the closing date to or before XX/XX/XXXX also stating it would be {$100.00} per day until closing date. I sign form and forward it back to my realtor, XXXX XXXX. On XX/XX/XXXX I was informed by realtor XXXX XXXX that we would not be closing on the property on XX/XX/XXXX.  The seller ( Caliber Homes Loans ) verbally requested to increase the sell price of the house to two days before closing date and afterward terminated the contract without giving a valid reason.On XX/XX/XXXX, I sign a contract for the property located at XXXX XXXX XXXX XXXX XXXX KY XXXX. We agreed on the listing price of {$170000.00} with the seller agreed to pay {$3500.00} towards closing cost and purchasing a limited home warranty. At that time my earnest money of {$1000.00} was given to the seller and shall have been held in the escrow account of XXXX XXXX and applied to the purchase price upon passing of deed.I was giving only 5 days to complete inspection which was performed on XX/XX/XXXX and the appraisal was completed by XX/XX/XXXX. Caliber Home Loans has refused to close on the property and has relist the property for sale as of XX/XX/XXXX, for {$180.00}. I havent signed a release of contract form. Caliber Home Loans also refused to refund my earnest money of {$100.00}. in which I also paid for the inspection and appraisal that is now a lost to me.Caliber Home Loans refused to close on the property is illegally, unethically, and discriminate. 

I