davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (IL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00}
Consumer complaint received 2024-02-07
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. (PA)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX XXXX  - I made an over the phone payment with Concora Credit with their overseas customer service department and the representative enter the wrong account information in the payment system. 

XX/XX/XXXX - I received an update on my credit report that my account with Concora Credit XXXX XXXX XXXX  was 90 days late. 


XXXX XXXX XXXX  - I contacted Concora Credit and I requested that they let me listen to call where they indicated that I gave the customer service representative the wrong account number and they refused.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The amount being reported by Applied Bank is incorrect. This account has been paid in full. 
The amount of {$130.00} was paid to XXXX XXXX XXXX  Spoke with manager XXXX XXXX and he assured me this would be resolved but it has not as of todays date. 

Original Creditor : Applied Bank Account Number : XXXX Previous Balance : {$130.00} Current Balance : {$0.00}
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Account still does not work properly. Paypal is refusing to provide adequate support to resolve the issues. Paypals last reply on XX/XX/22 which for some reason closed the case even though it did not fix or resolve any of the issues, and did not override any error messages, and other funding sources do not work. No other funding source available. None of them work. Transactions cant be processed. XX/XX/22
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Central Holdings, LLC (TN)

Last year employees of Credit Central, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX, ( XXXX ) XXXX started calling me to ask me to ask my brother to call them. They said he listed me as a reference on his account. I gave my brother the message. Since then this company calls me constantly until I had to ask them to stop calling my house. I do not have an account with them, have never had an account with them and the harrassement is bothering me and my husband. We are both senior citizens, my husband is a veteran, and we just want to live in peace.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2024-02-06
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (IL)

On XX/XX/year>, I applied for a home equity loan from Discover Home Loans in the amount of {$100000.00} to have a dormer installed on my existing home. On that day, I disclosed to the loan officer at the beginning of my application there was a current loan on my home in the amount of approximately {$20000.00}. I knew it would not appear on my credit report. XXXX explained that the APR would be higher because Discover would be in second lien position. On that evening, she sent an email showing the APR and what the monthly payments would be. Later, I decided to include the loan, I received a new loan estimate with a lower APR on XX/XX/year>. After I had sent in all requested documents, I was told on XX/XX/year>, that I did not qualify for the loan because I had skipped a payment for XXXX month. I had made 12 monthly payments that year however I had some difficult in the month of XXXX so that payment was missed yet I had made XXXX payments in a prior month. The company that I had the loan with didn't indicate the late payment on my credit report. I was never told prior to sending in all the documents that XXXX late payment would disqualify me from getting the loan. I informed the XXXX XXXX prior to any documents being sent that another loan was on the property. I don't feel I should have been disqualified for XXXX late payment especially since I informed the representative about the loan prior to sending in any documents. I never received a statement that a late payment would disqualify me from getting a loan prior to application of the loan. Additionally, when I spoke with a XXXX XXXX ( # XXXX ), he stated there is no written statement available. The loan officer, XXXX XXXX, also inquired about XXXX properties that are not on my credit report, yet my name is on the title. I explained that there is no mortgage on either XXXX of the properties. I sent in the property taxes and insurance for XXXX of the properties. The other property is in trust and willed by my parents to siblings as I explained to XXXX. I'm not responsible for paying anything for that property. I sent in all documents that were requested for this loan. I feel this is an unfair practice on the part of Discover Home Loans that is used to selectively disqualify certain applicants.
Consumer complaint received 2024-02-06
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)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-02
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. (AR)

I am stresses and displease that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I fell your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. The following items/accounts need to be removed : 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 ALSO THE XXXX XXXX ACCOUNTS HAVE THE SAME XXXX XXXX WHICH IS ANOTHER ERROR ON YOUR PART. REMOVE THESE ACCTS IMMEDIATLEY
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

On XXXX/XXXX/2017 +/- 1 day ( near XXXX eastern US time ) I logged into my Coinbase account after about 18 months of dormancy. I was surprised to see a message that Coinbase was in the process of closing my account and that I needed to transfer any remaining funds to an offsite wallet. I noted that I had the amount of XXXX Bitcoin in my account. There was no explation as to why the account was closing so I assumed it was because I had n't used it for some time. 

I went to XXXX where I have an account and obtained a Bitcoin deposit address that I copied and pasted to the send to box where I wanted the residual Bitcoin funds sent to. I pushed the transfer button and got a message saying the transfer was successful and then another immediately after saying my account was now closed. 

To date, the funds have not been received into my XXXX account. I tried numerous times to contact Coinbase. In one case I was able to speak to a customer support person who told me they would escalate the matter to an accounts payable analyst and confirm that with an email to me. I never received an email or any contact with Coinbase. I also contacted XXXX customer support who said it did n't appear Coinbase ever tranmitted the exchange.

I have screenshots of the address where it was to be sent to. I tried calling Coinbase many times, opened numerous support tickets, all to no avail.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

We missed our XX/XX/XXXX payment, but made XX/XX/XXXX, XX/XX/XXXXr, andXX/XX/XXXX payments within 30 days of due date. On XX/XX/XXXX we paid all late fees and theXX/XX/XXXX payment to a XXXX   balance. In XX/XX/XXXX the credit report did not show these payments as late. Now that we have paid them in full, they reported that we were late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus the late fees. We called XXXX to try to resolve and was told by XXXX XXXX in the Executive Office of Support that this is our problem and when I told him I would be contacting your agency he told me You can threaten me, but it doesnt change the fact you were late. We have the right to report it however we want. However, it was NOT reported as multiple late payments until we became current. He disconnected and refused further assistance.
Consumer complaint received 2024-01-15
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: NAVY FEDERAL CREDIT UNION (CA)

I have wrote disputes to navy federal sent threw credit bureaus the dispute took longer than 30 days and the did not provide any documentation required by FCRA LAW that I asked for This is the letter I sent certified mail on XX/XX/XXXX this is my second attempt to verify this account only to have my consumer rights violated XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of birth XX/XX/XXXX Social Security Number XXXX To XXXX XXXX Credit Report Verification Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 
Account numbers Navy Federal XXXX 15 USC 1692g refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to send consumers a written validation notice about the debt within 5 days of initial contact.

Specifically, 15 USC 1692g states that the written notice must contain : 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement.

4. Proof that you are legally allowed to collect on alleged debts in the state of California, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 

This validation notice gives consumers certain rights and protections in verifying and disputing debts under the FDCPA. Debt collectors must include the 15 USC 1692g notice in their first communication with consumers. Failure to properly notify could be a violation of federal law.

Please verify these accounts or delete from my credit report send me a copy of my updated report. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-02-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently got a copy of my credit report and have noticed some accounts that i have zero knowledge of. I have contacted the following companies about these accounts and have supplied them with the necessary documents to have them removed, yet the still are being furnished. see attachments
Consumer complaint received 2020-07-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (TX)

Lobel Financial told me via email that I need to deal with debt collector that my account was sold to and not them. I am now handling account with XXXX. Me and XXXX negotiated the account for the written off amount of XXXX. And {$100.00} a month. So far, Im current on the account with them. Lobel financial keeps reporting a higher amount on my credit report that goes up each month, they keep reporting late payment even though the account was a repossession. They have the account listen as a charge off instead of a repossession. And they keep hitting my account with random inquiries.
Consumer complaint received 2024-02-06
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)

I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXX  has reported an account to my credit report of {$8100.00} with zero consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need to submit the complaint again under my name because Tranunion sent a letter asking my wife to get a notarized letter to them showing she is handling my affairs. We tried calling them. They put us on hold then transferred us 3 times. The first person said the account was " locked '' and he had no idea what the letter was about. This appears to be some sort of stall tactic by Transunion. The night we submitted the complaint we were having computer problems with CFPB 's site so we submitted the complaint under my wife 's account. Now that I have my own account I am resubmitting the complaint so Transunion can deal directly with me. It's impossible to speak with anyone there on the phone so I have to submit my complaint again. Litigation for fraud filed against XXXX approx 6 months ago. Around this time XXXX XXXX refused a phone payment stating account holder " is in litigation ''. Then XXXX XXXX stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with XXXX XXXX. Account Holder requested several times a copy of statement and asked for account status in past 6 months calling in to XXXX 's customer service line. XXXX never informed of any account status or balance and never sent statements. XXXX XXXX has reported account holder30, 60 and 90 days late to TransUnion and account holder believes XXXX XXXX and Transunion violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from XXXX XXXX in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. Transunion has been made aware of the situation and continues to report the delinquency.
Consumer complaint received 2024-02-06
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.