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

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies XXXX XXXX  to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (FL)

I had some private student loan with XXXX and then XXXX transferred all of my student loan to a company that is called AES. I contacted AES to explain to them that i had just had a new baby and I am not paying that much money to be able to take care of XXXX kids and myself and still pay over XXXX a month. I have even asked if i can do something to lower my payment, like how i am XXXX and i just keep getting told that they cant do anything for me and if i dont pay my bill then they will report it to my credit report. I feel as if they would like for me to be homeless with my XXXX children inorder for me to be able to pay my monthly payment.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

We fell behind on our mortgage payments but caught them up. After which we paid our XXXX mortgage payment on XXXX XXXX. Instead of crediting the mortgage payment the company held the mortgage payment in suspense. When I called to find out why, the representative stated that my mortgage was 60 days late and asked if I was calling to correct the issue. I told him that he was incorrect and explained the reason for my call. He refused to discuss the XXXX payment. He stated that instead he needed to verify my ability to make mortgage payments moving forward. I explained again that my mortgage was not behind and had been credited correctly reflecting this fact through XXXX. I was not calling to make a payment arrangement, or get a loan modification, I was calling to find out why the XXXX payment was not credited and is sitting in suspense. He refused to provide this information. I prepared and sent a request in writing.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my most recent Transunion. I observed several inquiries that are being displayed that I do n't recall giving the authorization or consent. I have made Transunion aware of this situation is XXXX 2016 and they continue to not conduct a proper investigation. Furthermore, I have informed Transunion that if the inquiries are found to be legitimate to please mail me the documents so that I can determine its validity. Transunion actions are having a negative impact on my credit worthiness and credit score by its failure to comply with the FCRA.
Consumer complaint received 2024-11-11
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)

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector companies XXXX XXXX XXXX, and the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I had Equifax enter information of a judgement against me that really belonged to a different XXXX XXXX. This report reflected their credit score that they transmit to FICO and the other XXXX credit reporting agencies. Which then reflects onto their reports. The judgement is for a person with the same name but different social security numbers. This is the 2nd time in 2 years Equifax has done this. They should be required to verify identifaction before they submit information on a report.
Consumer complaint received 2016-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (CA)

XXXX XXXX I RECEIVED A LETTER FROM XXXX XXXX XXXX COMPANY CLAIMING I WAS INVOLVED IN A HIT AND RUN ACCIDENT ON XXXX ACCORDING TO THE LETTER A POLICE REPORT WAS FILED. I SPOKE TO THE AGENT THAT SENT THE LETTER AND THE AGENT STATED IT WAS A LETTER THAT THE POLICY HOLDER FILED A CLAIM STATING THAT A PEDESTRIAN WITNESSED THE HIT AND RUN AND GAVE MY LICENSED PLATE I ASKED SPECIFICALLY DESCRIPTION OF THE CAR AS THERE ARE XXXX CARS REGISTERED UNDER MY NAME, AGENT STATED PER THE INSURED A WHITE PATHFINDER I TOLD THE AGENT THAT NONE OF MY CARS MATCH WITH THE DESCRIPTION THAT WAS GIVEN THE AGENT INSISTED THAT MY CAR WAS INVOLVED IN THE ACCIDENT HIT AND RUN I TOLD THE AGENT THAT MY CAR DOESNT SHOWS NO SIGN THAT IT WAS INVOLVED IN ANY ACCIDENT THAT DAY AND TIME, AND THAT WAS A MISTAKE THT SOMEONE GAVE MY PLATE LICENSE NUMBER THATS ALL AND MY CAR WAS A NONOPERATION VEHICLE FROM XXXX to XXXX FOR SMOKE INSPECTION RENEWAL REGISTRATION. THIS IS A FALSE REPORT INFORMATION GIVEN, FRAUD INSURANCE THAT MUST BE REPORTED. THE AGENT THAT HARRASING ME WITH SEVERAL LETTERS, AND ACCUSSING ME WITH FALSE INFORMATION, NO INVESTIGATION WASNT MADE CORRECTLY TO FIND THE PERSON RESPONSIBLE FOR THIS HIT AND RUN ACCIDENT, JUST BASED ON A PEDESTRIAN THAT WITNESSED AND GAVE LICENSE PLATE THAT MATCH XXXX OF MY VEHICLE, WRONG INFORMATION AND OBVIOUSLY FALSE DOCUMENTATION INVOLVING ME IN AN ACCIDENT XXXX CARS XXXX, THAT SOUNDS MORE LIKE FRAUD INSURANCE THAN ANYTHING ELSE, DONT YOU THINK IF WAS REPORTED TO POLICE THEY WILL BE SENDING ME A LETTER, OR SEND SOMEONE TO CHECK MU VEHICLE I AM VERY RESPONSABLE PERSON I DEFINITELY WOULD 'VE STOPPED IF I KNOW I HIT SOMEONE, I FILED A COMPLAINT TO FTC FOR FALSE REPORT AND INSURANCE FRAUD. BUT I RECEIVED ANOTHER LETTER NOW FROM NATIONAL COMMERCIAL SERVICES CREDITORS COLLECTION AGENCY FOR A SETTLEMENT OFFER AMOUNT OF {$4400.00} FROM SAME XXXX INSURANCE TO BE NEGOTIATED XXXX I DONT OWE ANY MONEY, I DO N'T THINK THATS RIGHT, TO BE HARRASING ME, ESPECIALLY WHEN I TOLD THE XXXX INSURANCE COMPANY BACK IN XXXX THAT I HAVE NOTHING TO DO WITH THAT ACCIDENT.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ark-La-Tex Financial Services, LLC (TX)

I have had continuing issues with my loan servicer researching a payment I made that was never credited to my account. The first request was made on XXXX XXXX, 2016. I sent a request using their online form ( their preferred method of contact ). I detailed every payment that I had made, along with all of the details I had available to me and requested they research and let me know which payment ( XXXX ) were not applied to my account. The response was a generic informational message noting that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. I replied informing them that that response did not address my issue in the slightest and that I would like a supervisor to call me. I never received a call or a reply to that response. 

I contacted them again on XXXX XXXX, 2016 under a new request. I asked for a supervisor to contact me and notified them that the payments that had been posted to my account were not applied anywhere near the dates the bank honored the payments, which would cause me to incur additional interest on the loan. The response was, again, that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. 

I then contacted Benchmark by phone on XXXX XXXX, 2016. The result of that call was that I was to fax proof of payment from my bank to them in order for them to research the payments. I faxed the information I had on XXXX XXXX, then faxed additional information I had obtained from my bank on XXXX XXXX. On XXXX XXXX, 2016, I received an email from the research department saying they had not cashed one of the checks that I had provided proof of payment for. This check was mailed to their parent company at the same payment acceptance address as their company. I contacted my bank and they confirmed that the check was paid to the payee. I responded to the email with this information on XXXX XXXX and I have not received any reply.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed some late payment information on my credit report, the results came back as valid. I then requested an investigation into these late payments and again the report states new information listed, but the same deliquent payments are being reported. I want to know how the information was investigated and what is the new information being reported when the same disputed information is being listed. If the investigation was conducted I want to know who they spoke to, what time and department. I want the deliquent payments removed because I have never been late
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. Here are the inquiries that I've found : XXXX XX/XX/year>, CERTIFIED CREDIT REPORTI XX/XX/year>. 
Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2016-03-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

CHASE CHECKING XXXX OWES XXXX XXXX {$6.00}. IN REPLYING, CHASE, DO NOT SUBMIT A PDF DOCUMENT. I CAN NOT OPEN CHASE 'S PDF DOCUMENTS. CHASE DELIBERATELY REPLIES WITH UNOPENABLE PDF DOCUMENTS. FORCE CHASE TO TRANSPARENTLY RESPOND WITH WORD DOCUMENTS. DO NOT REPLY TO THIS COMPLAINT WITH AN UNOPENABLE PDF, CHASE. REPLY VIA WORD DOCUMENTS ONLY. 
COMPLAINT CHASE CHECKING DENIES XXXX XXXX {$6.00}. CHASE CAN NOT BE TRUSTED TO DO ANYTHING ETHICALLY RIGHT ONLY TO DO THINGS TO BETTER CHASE. CHASE HAS NO SCRUPLES WHATSOEVER. MOREOVER ANYTHING CHASE DOES WRONG IS BACKED UP BY THE GOVERNMENT. CHASE IS TOO BIG TO FAIL. FINALLY CHASE HAS LINED THE POCKETS OF XXXX AND XXXX WHICHEVER SIDE WINS TO DO CHASE 'S BIDDING. THERE IS NO VOICE FOR THE PEASANT. SEE ATTACHMENT FOR PROOF I AM OWED {$6.00} BUT HERE IS PROOF NOW. 
XXXX & lt ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX PM Hello, We 're writing to let you know we processed your refund of {$6.00} for your Order XXXX from XXXX. 

This refund is for the following item ( s ) : Item : Personal Influence ; the Part Played By People in the XXXX XXXX XXXX XXXX Quantity : XXXX XXXX : XXXX Reason for refund : Item out of stock Here 's the breakdown of your refund for this item : Shipping Refund : {$3.00} Item Refund : {$2.00} We 'll apply your refund to the following payment method ( s ) : Bank Account : {$6.00} We 've processed a refund for the above order in the amount of {$6.00}. The refund should appear on your account in 2-3 days if issued to a credit card. 
Refunds issued to a bank account typically take 7-10 days to reflect on the account balance. 

Have questions about our refund policy? 
Visit our Help section for more information : XXXX We look forward to seeing you again soon. 

Sincerely, Amazon.com We 're Building Earth 's Most Customer-Centric Company http : //www.amazon.com Note : this e-mail was sent from a notification-only e-mail address that can not accept incoming e-mail. Please do not reply to this message.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

XXXX not accurately and fully reported. 
Original Amount Unknown High Balance Missing Recent Balance Missing Recent Payment Missing CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.
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. (CA)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, This company is continuing to request payment for accounts that I do not owe on. {$140.00} from XXXX on behalf of XXXX 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUniion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've never had this type of trouble before with TransUnion. My report with them has always been clean. I 'm suprised TU! 
ALL references regarding this account must be deleted from ALL reporting agencies. -- Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-03-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accounts Research, Inc. (TN)

Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices Act?
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

The public records in dispute were deleted years ago from my file because they are not mine. As recent as a few months ago they have reappeared. I have contacted the bureaus several times and they have refused to provide any proof they are mine nor will they remove them again. At this time, short of legal action, the only resolution I will accept is deletion and suppression of the public records so they ca n't be reinserted at another time. 
I have come to the conclusion that the credit bureaus are violating my rights under section 1681and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I am going to have to resort to suing the credit bureaus.
Consumer complaint received 2016-03-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

After multiple requests to cancel pmi, Wells Fargo refuses to act. Our home mortgage is less than XXXX % LTV of original purchase price and original loan prior to streamline refinance was originated in 2004. Wells Fargo is also unwilling to allow a new appraisal.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am in distraught because I thought I would have beena ble to afford XXXX XXXX but because my scores are affected due to the accounts being reported on my file, I can not take care of myself better. I believe they are being reported without my permission and are most likely to be inaccurate. Please re-investigate.
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

I have contacted you before in reference to wrongful interest charges on my account. This has been resolved but ever since they re-opened my card account they stopped sending me statements. I had no idea when my payment was due until i received an email stating it was late and they would charge me a fee! 
now i have been charged with TWO late payment fees that i was NEVER told about. Top it off my min payment went from XXXX to XXXX to XXXX a month how does it jump like that?!!?! 

the promotion is supposed to be INTEREST FREE and i am getting billed for interest as well! 

i demand my fees returned and my min payment to be back to XXXX i can not wait to pay this ridiculous bank off and never ever deal with them again worse customer service ever