davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.
Consumer complaint received 2024-11-11
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. (TX)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly disputed the Public records items on my TransUnion report, and this issue has been ongoing since XX/XX/2023. 

In my TransUnion credit report, several inaccurate Public Record items were listed that do not align with official records from XXXX XXXX XXXX XXXX XXXX or the United States XXXX  XXXX documents. Despite XXXX claim of obtaining this information from a third-party vendor, the details they reported are inconsistent and incorrect. In other words, TransUnion is not even reporting as with what the third party vendor is reporting-because XXXX XXXX XXXX XXXX has NO RECORD of SUCH CLAIM. Based on factual information, the XXXX XXXX Name is incorrectly reporting and the XXXX  Address is incorrect-therefore these items should be deleted. Additionally, TransUnion Reports a case number that does not belong to me. This item should be delted. 

This is what TransUnion Reports : 1. XXXX XXXX Name : TransUnion listed the court as XXXX XXXX XXXX Indiana, a non-existent entity in the U.S. judicial system. The correct name, per official documentation, is United States XXXX  XXXX, XXXX XXXX XXXX Indiana. 

2. Court Address : TransUnion inaccurately listed the court address as XXXX XXXX XXXX XXXX, XXXX, IN XXXX, omitting the full and correct address XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IN XXXX. 


I am requesting the immediate deletion of these incorrect items to prevent further damage. I have provided supporting documentation that substantiates these claims and demonstrates the need for correction. Thank you for your attention to this issue.
Consumer complaint received 2018-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AR)

My name is XXXX XXXX on XXXX I lost my home to a house fire. I have an FHA mortgage with Flagstar Bank in the amount of {$78000.00}. My home was declared a total loss and my insurance company XXXX XXXX has paid the available amount of the insurance policy {$190000.00}. As required by law, " I have been told '' the checks have made to me and the mortgage holder Flagstar Bank. I have signed the checks and forwarded them to Flagstar Bank. Construction began in XX/XX/2018 and has been completed as of XX/XX/2018. Flagstar Bank was notified and a request for the final inspection was made at that time. To date I my property has not received a final inspection. Flagstar refuses to release any of my money. Flagstar is holding Approximately {$60000.00} of my money. I owe contractors and suppliers and stand in danger of having leans placed on my property because of my inability to pay my bills. Flagstar Bank collects my full mortgage payments even though they have never made {$6000.00} of that mortgage available. They are withholding payment for the general contractor n excess of {$31000.00}. Flagstar is withholding my recoverable depreciation in excess of {$18000.00}. From the beginning to end they, Flagstar Bank has used delay and bait and switch tactics to with hold of refuse payment. The latest example of this behavior is switching property claims processing companies the day after I requested a final inspection. This isn't unexpected. Sadly this fits the pattern I have experienced through out the entire process of dealing with Flagstar. They constantly claim they are not in receipt of documents they have previously claimed were in their procession. Flagstar computer malfunctions and makes it almost impossible to resubmit the documents they claim they don't have. Wait times on the phone exceed one hour and have been as long as one hour and forty five minutes. Employees have picked up the line that I was put on hold and asked me, " are you still there '', then they hung up on me. 
I am seeking your assistance in receiving being all $ funds being held by Flagstar Bank in the matter Property Loss Claim XXXX XXXX XXXX , for XXXX XXXX for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX Arkansas XXXX. I can be contacted at XXXX XXXX XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX Arkansas XXXX. Please keep in mind that this is an urgent matter in that I owe people money that have worked very hard to complete work on my house. Please help me to collect money owed to me from Flagstar Bank.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

When I initially open this account my due date was on the sixth of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I needed to purchase a pair of XXXX XXXX, and I located Care Credit, through CareCredit, Synchrony Bank.

They offered me a promotional rate for one year ( no interest charged, if paid in full in the one year ). However, as XXXX  are expensive, I could not afford to pay the amount in the one year specified time. My balance, as of XX/XX/2018 was {$2300.00}. However, on XX/XX/2018 I was assessed interest of {$1000.00}, making the balance owed, {$3200.00}. I tried to take a loan, but it was not possible ( I have been given an additional month to make full payment of the {$2300.00} ). The interest rate is 26.99 percent. This would seem totally in appropriate for a needed medical device for someone who is XXXX years of age.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Background - I was a XXXX of few corporations and i signed in capacity XXXX XXXX of those corporations on their Insurance Policies. We obtained WorkersComp Insurance from XXXX for Fiscal Year XXXX and paid 100 % of premiums at the time of Policy Inception. 

XXXX successfully conluded the Audit in XX/XX/XXXX ( for XXXX policy ), with no additional premium requirements. 

Matter - XXXX failed to correctly report the said numbers to respective Government Agencies. As a result of this Wisconsin Department of Workforce Development notified that we did not pay our premiums. After repeated emails to to XXXX XXXX company from me, they still failed to report it to Wisconsin DWD. I  have records of all the emails sent to XXXX requesting to rectify the records with Wisconsin DWD Wisconsin DOR filed 3 Cases against me Personally and all those cases are appearing on my credit. When i found out, i filed companits with Illinois Department of Insurance and WI Department of Insurance. 

Thereafter XXXX rectified their mistake. 

However, the Public records indicate - JUDGEMENT SATISFIED.

Complaints : 1 ) the cases should not been filed against me personally.

2 ) the status should have been CASE DISMISSED, not Judgement Satisfied 3 ) Due to inaction of XXXX, my credit has been damaged significantly and banks have refused to loans to buy new business - i have proof of all of it. this has deprived me of my future growth. 

thank you XXXX XXXX XXXX
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

on XX/XX/XXXXI placed a fraud alert on my credit report. On XXXX   it shows my statement as a fraud alert. On Equifax it shows my statement as ... if not verified then I demand it be deleted. I filed a dispute with Equifax on XX/XX/18 saying please remove any statements on my report because I no longer need it. The only statement I want on my report is the fraud alert.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NJ)

I have been with chase credit cards for over 2 years and they kept me at the maximum apr rate i tried to call to resolve they told me they will not lower my apr. I havent missed a payment ever and have top tier credit score. I dont understand why they are doing this to me.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had been using my Chase credit card normally. One day, my transaction was declined. I called Chase to ask why that happened as I've never had any bad encounter or situation with Chase or any other credit card company for that matter. They didn't explain anything, they only told me I am blacklisted. I want to understand what it means by saying I am blacklisted. I'm assuming they're discriminating either against my nationality, age, or language ability. I just want them to explain to me what it means to be blacklisted and why I was blacklisted as well as had my account closed. In addition to Chase, after using my XXXX XXXX for a while my transaction got declined. When I called to solve the issue, they told me to go with my ID to a union bank to verify my identity. I went several times to the XXXX XXXX XXXX. Every single time they told me to wait and my card will come. When I called customer service to see where it is, they told me I need to reapply. The teller at the bank filled up the application for me and told me I was approved for {$10000.00} and that my card would come in 7-10 days. I waited 15 days and called. They told me I have to go to the branch. I told them I did go to branch and the bank teller was the one that filled out my application and told me I was approved. They told me doesn't matter go to branch. I went to the same branch and talked to the same person whose name is XXXX, and she again said my card will come and to wait. I waited again for a longer time, I called again, and they told me to go to branch again like a joke. This time I went to the XXXX XXXX XXXX, explained everything to the store manager whose name was also XXXX, and she called and talked to customer service and said everything was solved and you'll receive your card. Again after a while I haven't received my card and called and they said to go to Branch and they're leaving an open link that they can solve everything under that link. I went to branch and spoke to the manager again and she had the bank teller help me. She said its already late took my information and said she'll call me tomorrow. She never called so I called. She told me the account is closed and I need to reapply. At this age I went to a branch 5-6 times and now I need to reapply and I have been approved TWICE for XXXX - first time I used for a while, second time I never received my card. Am I supposed to reapply 4-5 times to receive a card
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I getting the run around about correcting a ongoing balance. XXXX XXXX blames it XXXX and XXXX  blames it on XXXX XXXX. It is holding me up from buying my home. Loan officer wont let me go further
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AL)

I sent a letter to ERC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. they have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I have learned that Faye Servicing is the new loan Servicer.. Initially, XXXX XXXX owned the note, then XXXX, then XXXX   XXXX.XXXX  XXXX. I also learned a new group, XXXX XXXX, purchased the loan. Faye Servicing had been sending time sensitive and financially sensitive mortgage related documents to the main building address of where my I live, and not to my personal residence. This means that the property manager or someone else has been receiving very sensitive financial information regarding my loan. This action was intentional. 
In XX/XX/2018, I sent a Validation of Debt request to Fay Servicing.  I including my mailing address, which the previous note holder, XXXX XXXX, used and is in public record. I also included my condo unit number.physical address in my Validation of Debt request. 
On XXXX  XXXX, I received a written response from Faye Servicing which was dated XX/XX/2018. Faye 's response refers to my physical address as the main building address ( there are approximately 250 units in the building ). The " Prior Servicer Account History '' which Faye sent me only includes the XXXX XXXX payment history that is illegible and impossible to authenticate. The font is exceedingly tiny, and I can only identify the " XXXX XXXX '' emblem '' on the paper. Fay Servicing failed to provide the payment history for the years when XXXX XXXX and XXXX owned the note. They failed to remove negative amortization debt that has been added to the loan balance, or address other charges and fees that have been assigned to this loan balance. 

In summary, Fay Servicing has denied my request for a validation of debt and supporting documentation. They sent me a one page letter, which reads in part, " Please be advised that Fay will not provide any information or documentation considered confidential or proprietary, or that is not in our possession. '' Presumably, Fay Servicing has mailed mortgage and other pre-foreclosure related documentation, including my mortgage account number, to the general building address and not to my personal residence. Private mortgage financial documents, including the account number, have been directed to the onsite Property Manager and/or Homeowners Association. I believe these were acts of Willful Negligence. The " General Building Address '' repeatedly appears on the Fay Servicing documents, including when referencing my account number.

Consumer Law requires a debt collector to validate the debt ; Fay Servicing is dismissing themselves of this requirement by stating they " do not have certain documents in their possession ''. 

A " Fair Debt Collection Practices Act Validation Notice '' dated XX/XX/2018, which was included in Fay Servicing response to me, includes line items such as Current Unpaid Escrow Balance : {$0.00}. Current Unpaid Accrued Interest : {$0.00} Partial Payment not yet Applied : {$0.00}. Late Charges : {$0.00}. Fay Servicing and XXXX fail to state the total amount due.
Consumer complaint received 2018-11-01
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: EQUIFAX, INC. (OR)

Two unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX on XX/XX/2018 and XX/XX/2018. 

I called them and they said they did not check my credit. I opened an investigation with Equifax and Equifax confirmed the inquiries.
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2018 I was contacted by someone at PayPal Credit requesting payment of a debt for {$110.00}. I was unaware that I had this debt and when it was explained I paid the charge over the phone with a XXXX XXXX XXXX   debit card. A copy of that payment is attached. The debit card is a Visa card.

OnXX/XX/2018, I received another call requesting the payment of the debt from XXXX, a PayPal Credit employee. The original charge had increased due to late fees. XXXX  was insistent that I had not paid and could not be persuaded that PayPal had made an error. To XXXX it was obvious I was a deadbeat. XXXX lacked the computer skills or the authority to see into my account. I was then transferred to two other people. One named XXXX  and finally a supervisor who stopped the harassing calls.

I then submitted documentation from the XXXX XXXX XXXX  and again PayPal insisted that this was not enough documentation. I went to my bank and Mr. XXXX XXXX, the bank manager, signed that the payment was made. I am again submitting the required documentation.

There is little else I can do and the late charges keep piling up. Apparently, this incident demonstrates the limits and the ultimate failure of online financial transactions. I will not be held responsible for the incompetence of PayPal. Therefore, I am requesting that you study the matter and solve my problem.

I am not responsible for PayPal 's inability to keep track of their money.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (FL)

My credit report reflects a charge for something that is not mine. I have tried to call the company involved, they refuse to help even though the socials and birth date do not match. They said I have to get in touch with the collection agency, which I have and they refuse to help me as well. I contact the credit bureau, all three of them and filed a dispute 3 times with experian, have so with XXXX and XXXX? The file remains on my report and again this is NOT mine? For some reason they are refusing to remove what is not mine and ruining my credit. 

Again in XXXX alone I have disputed this charge with XXXX three times. 
Called the collection agency. 
Called the company originally involved.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX  : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
Consumer complaint received 2018-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT CONCEPTS, INC. (WA)

XX/XX/2016 Dispute 1 : slammed with GAP insurance. No signed agreement. Refuse to recalculate loan with GAP insurance removed and not disbursed over 36 payments. 

Dispute 2 : Charged 29.95 % on sales tax, and disbursed over 36 months.

Dispute 3 : XX/XX/2016 paid receipt not applied to account. ( See receipt and account print out. ) Dispute 4 : Fee simple loan they are allocating over payments to their interest. See print out, Interest.Recast # nn nn is future interest payment
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OR)

My student loans have been in deferment, but the company continues to report my payments as late. Attached is the letter from XXXX XXXX XXXX showing the loans in deferment from XX/XX/2018 through XX/XX/2018. 
Today I applied for a mortgage and all three loans are reporting negative with 90 day late payments during the deferment period. 
The credit report is also reflecting a higher balance and payment on each of the loans.