davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

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. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Collection Management. Inc (MO)

Upon recently viewing my credit report I saw a collection account from Consumer Collection Manangement.  However, after reviewing my records, I was unable to nd any documentation of any contractual relationship between Consumer Collection Management and me which makes them a person entitled to enforce a commercial claim against me. On XXXX/XXXX/XXXX i mailed XXXX a letter advising them i had no knowledge of the account. This company responded providing me with account statements that had the dates whited out and deleted making it impossible for me to cross reference the dates and amounts owed against my records. I plan on filing a complaint with the Attorney general and Federal trade commission.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is reporting the incorrect past due balance, balance, payment amount, and date of XXXX delinquency. These factual errors are purposely ignored by Capital One and have prove to be detrimental to my financial rating. I have been denied and received unfavorable credit terms because of the careless reporting by Capital One.The Fair Credit Reporting Act ( FRCA ) says the information on your credit reports must be accurate. Credit Reporting Agencies are only suppose to report accurate information.
Consumer complaint received 2020-06-20
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX : In XXXX, XXXXthe dealership. It was a XXXX XXXX car. The dealership took the final details and indicated the XXXX XXXX  Team will reach out to me for the final payments. 
XX/XX/XXXX. I reached out to XXXX XXXX customer support to inquire about the remaining payments and they indicated a letter was on the way. 

I never received the letter. 

XX/XX/XXXX. XXXX XXXX reports a late payment on my credit report. I call XXXX XXXX and the customer support acknowledged they sent it the final payment letter to the wrong city ( or rather wrong address ). I inquired the amount left and paid it immediately. This is surprising since XXXX XXXX has been communicating with me effectively for 3 years of the lease. 

At this point, the damage to my credit score was done. Experian bumped me down from 800+ to XXXX with a day or two. I had no other negative information on my report. 

I filed dispute with Experian and reached out to XXXX XXXX. While the customer support acknowledges they sent the final payment details to the wrong address, the finance team that works with credit report agency did not correct the inaccurate representation to Experian that I was late, nor did they ask for the negative information to be removed. 

I reached out to Experian customer support, submitted a written letter with the sequence of actions. XXXX XXXX customer support while they acknowledge their mistake, will not send a letter indicating that they made a mistake. 

I was told by Experian to reach out to Consumer Financial Protection Bureau as a last resort. 

Please help!
Consumer complaint received 2017-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NJ)

We have been trying to get a mortgage modification with CitiMortgage since XX/XX/XXXX. We filed bankruptcy because CitiMortgage was trying to foreclose on the house. In bankruptcy we have been paying the mortgage for the last 2 years. In XX/XX/XXXXwe had the taxes and homeowners insurance adjusted saving {$15000.00} a year to make the mortgage payment lower. CitiMortgage just keeps requesting the same documents over and over again. All documents are now sent in to CitiMortgage by our Attorney. Attached is a Letter from our Attorney and supporting documents.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX the following names listed 2. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (NJ)

I have received several phone calls in from Convergent regarding a debt that they are n't suppose to be collecting upon. This debt was due to ID Fraud. XX/XX/2015 I sent XXXX a FTC Affidavit and a police report which I have attached to this report. I am not responsible for this debt and I would like convergent to stop trying to collect on it and they have also made an inquiry into my credit report which they had absolutely no authorization to do such.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from XXXX XXXX. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/XXXX ), which is an error. It was pulled Twice from my Experian credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/XXXX, my credit report was also pulled as well. Please have the XXXX XXXX ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX XXXX
Consumer complaint received 2018-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

On XX/XX/2018 I withdrew XXXX from my XXXX account and transferred it to Coinbase. 
I should have changed the coins back to bitcoin before transferring, I know it was my mistake. It was {$9200.00}. 
I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. 
I contacted coinbase and here is the response I got back from them. 

Good day! 

Thanks for hanging in there while we investigated this case. 

Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by XXXX, as these funds will be not be capable of being retrieved. 

For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. 

Have a great day, and thanks for using Coinbase! 

XXXX Coinbase Support I contacted XXXX XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. 
This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. 
Dear Coinbase support, I have unfortunately accidentally transferred XXXX USD to my Coinbase address XXXX Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXX for additional information on how to recover and return the funds. 

Sincerely,
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act.XXXX account number.i dont see a account number on my credit report but i am pretty sure you can figure it out with my personal information.anyways my rights were violated 15 u s c 1681 section 602A have the right to privacy and 15 u s c 1681 section 604A section 2, it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have sent multiple disputes to this collection agency. This is a fraud case. I sent over a request for information as i have never had a credit one card. They sent me a statement for someone with my name in INDIANA. I live in Texas. I tried to explain to them this is fraudulent and asked if they can send over information such a dob or social so i can tell if this is a case of identity theft or if this is someone with the same name? Its on my credit report but not mine so they must have my social. They keep replying with the same credit one statement and not even looking at my dispute. This needs to be removed from my report and labeled as fraud. HELP! They also never sent me anything saying that this debt was purchased and i could dispute it or i would have done so to avoid it ever going to my report. This also could have already been reported to identitytheft.gov but they didnt notify me. I am pretty sure this violated FDCPA as well.
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. (LA)

I reviewed my most recent credit report from Transunion and I noticed inquiries that does not belong to me. After reaching out to the creditor I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditor agreed the inquiries are not attached to any file or application they have with my personal accurate information. 


Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-02-17
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. (GA)

On or about XX/XX/2024 I had checked my consumer report and noticed a fraudulent collection account being reported on that same report from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have no Idea what this account is and I have never signed up for or taking any classes at that institution. in addition I would like to say that I am not known as XXXX XXXX, XXXX XXXX or XXXX XXXX. My name is XXXX XXXX and that is what is shown on my state issued ID and drivers license.
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$17000.00} DEPT OF ED/XXXX  XXXX Balance : {$6900.00} DEPT OF ED/XXXX  XXXX Balance : {$3300.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1600.00} DEPT OF ED/XXXX  XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$830.00}
Consumer complaint received 2022-07-05
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Acct # XXXX, 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.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (VA)

I recently purchased a home and used a mortgage that is now being serviced by Shellpoint Mortgage. While there has been no fraud or illegal action of any kind, I simply want to complain about the extremely poor level of service and lament the fact that as a mortgage borrower, my options are completely shut down. If I am unhappy with many other financial products, I can do business elsewhere. Now that I am stuck with Shellpoint, I have no choice unless another company buys my loan. 

The poor level of service has to do mainly with their complete lack of communication. On their website, email contact info is provided with a commitment to reply to the email. I 've sent emails on at least XXXX occasions and have received no response in 4 months. Due to my need to follow up, I 've also called to address various things and while I get someone on the phone, when something has n't been done, they simply tell me they do n't know why and escalate the request. 
Today, I asked for a supervisor to just share my experience and was told no one was available. 
Right now, the issue is that I received a late notice from the XXXX for a portion of the tax bill due. I immediately brought this to Shellpoint 's attention around XXXX XXXX, shared with them that the due date was XXXX XXXX and was assured it would be addressed in time. 
Foolishly, I trusted this would happen. I called today XXXX XXXX XXXX ) and was told that it had not been done, was still being reviewed and had no idea why it was still unresolved. Again, my concern about the tax bill would be escalated. 

It would be great if there was some way to take my business elsewhere but I understand that the mortgage market is complicated but how else do we hold a poor servicing accountable?