davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.
Consumer complaint received 2024-10-28
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)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

Hi, I am a recent victim of flood damage due to hurricane florence. I submitted a claim to my insurance company. The claim was approved in a RCV amount of {$84000.00} and an ACV amount of {$75000.00}. My mortgage company ( JPMorgan Chase ) is currently holding the funds and has released {$10000.00} so far. I am to receive another {$10000.00} soon. 
My issue is that I have elected to contract myself to do the work as I am 100 % confident, knowledgeable, and able to do the work. My mortgage company has notified me that only {$20000.00} will be released until the home undergoes a 100 % completion inspection. Obviously there is no way I can repair the home with only {$20000.00}. I have called them many times and have received a different answer on this issue every time. The responses I received are as follows : * I would receive {$20000.00} first, then after I submitted documentation on the status of the repair and a 50 % completion inspection was approved I would receive another {$20000.00}. Then a completion inspection would take place and if approved they would release the rest of the claim funds. 
* I would receive {$20000.00} and no more until a completion inspection approved the release of the rest of the claim funds. 
* I would not receive any of the claim funds until the completion inspection is approved. 

I have tried to compensate for this shortfall, attempting to avoid conflict with my mortgage company, by applying for an SBA unsecured loan in the amount of {$25000.00}. I was approved but the process was halted as I have received insurance claim funds, which is a conflict of the SBA loan funds against my insurance claim funds. This situation seems to me as a deterrent in the contracting of myself to repair my home. The reason I pursue this so strongly is the availability of contractors in my area is extremely low and I wish to get my home repaired as soon as possible. I am displaced and can not afford it much longer. My intentions are only in good faith to put my life back together. I hope there is something you can do for me as I am running out of options and time.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof
Consumer complaint received 2018-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Skopos Financial, LLC (OH)

I have a XXXX got on fire I spend over five Thousand prepare the XXXX I sill have a loan on the vehicle it was a recall on the vehicle for start fire and problem with the engine the car do not work do to fire and can not be prepare the car should not been sold
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OPORTUN FINANCIAL CORPORATION (CA)

I am on the Federal do not call list. However the Compamy Oportun calls me several times a day for the last several weeks, despite requests to not call. I just hang up on them now. I have lived at my residence for more than 15 years. Now they have resorted to mailing Loan offers to people who do not live at my residence nor do I know them. 

The following two invitations using my address were mailed on the same day. 

Invitation # XXXX adddressed to a XXXX XXXX Invitation # XXXX addressed to a XXXX XXXX XXXX This is encouraging identity theft creating profiles for people who do not live at this address. When I called to complain they said they received this information from credit Bureaus. That I am pretty sure may be a lie, this information was given to me by XXXX XXXX who represented he was the Supervisor. I called back and spoke to XXXX XXXX and filed a report again the Report # he gave me is XXXX The interest rates offered on these loans is an APR of 44 %, and 49 %.
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Call Center Technologies, LLC (NJ)

I received a bill in the mail a few days ago that was from a collection agency, but I never received the original bill, it was an outstanding amount ( $ XXXX ) so I could not jump to pay it ... within 2 days I have receive repeated called as early as XXXX XXXX up until XXXX XXXX from this debt collector. I than blocked them and they called me on a different number. I literally could not keep my phone on me while working because of them constantly calling.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-08
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)

XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the resuit of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX. XXXX, XXXX under the account number XXXX, an auto loan account opened at AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, a loan account opened at XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX on under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was completely shocked to see inaccurate accounts appearing on my credit report tonight, and I have no clue why theyre there. I check my credit report routinely, but tonight, it was filled with discrepancies that I wasnt expecting. I refreshed my browser thinking it was a temporary glitch, but the wrong accounts stayed right where they were. Please thoroughly review the documents Ive submitted so I can be sure this never happens again.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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  The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2024-11-08
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had an account with XXXX XXXX for a personal loan that closed with an remaining balance. I totaled my XXXX XXXX XXXX XXXX and XXXX XXXX used the pay off of vehicle equity to pay off the remainder of the vehicle and also used the payoff the personal loan unrelated balance. Both said balances were stated to be cleared and XXXX with no negative reporting. I received a credit alert on XX/XX/XXXX stating a significant score drop from XXXX XXXX adding a {$8.00} charge off for the personal loan and reporting the account negative. I reached out to XXXX XXXX on XXXX and spoke wiith XXXX XXXX and reported the issue who stated the account was reported in error. I am asking the account to be removed from my credit report as I am in the process of purchasing a home and the negative item iis causing great impact.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WELLS FARGO & COMPANY (PA)

I had a wire transfer sent from XXXX to my account at Wells Fargo. The money left XXXX on XXXX XXXX and was in New York on XXXX XXXX. The money was for both my brother and I. My brothers bank confirmed the deposit on XXXX XXXX at an exchange rate of XXXX. 
On Tues XXXX XXXX I called Wells Fargo and complained about my money and by the afternoon it was deposited into my account at XXXX rate. I had checked the rated for that day and it was at XXXX. 
I have called for the last few weeks the branch and various other departments trying to get a resolution. Today XXXX XXXX I get a call from XXXX, NC.. The woman claims to stand by her decision giving me all sorts of stories about the trail of the money, claiming it went through XXXX. She also was very firm that the exchange rate for the second was XXXX. 
I have documentation that states that the rate was XXXX.
Consumer complaint received 2018-01-12
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

In XX/XX/XXXX, I wrote a letter to Toyota Financial Services requesting a late payment for XX/XX/XXXX be removed as a courtesy. I received a letter back from the company after 30 days claiming that I have disputed the late payment & that the results were accurate reporting was being made for the late payment. My initial letter did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment. My credit report now shows I have disputed the late payment which I never intended nor did write on the letter for the dispute. I continue to call Toyota Financial Services & I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. Toyota Financial continues to report the late payment on my credit report, without any proper communication or feedback. Under the FCRA, a lender may not put my account under " dispute '' if a dispute was never intended not initiated by the consumer.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

XX/XX/2012 I was going to attend XXXX XXXX College. A little XXXX school. I withdrew before starting and loans were still disbursed to this scam school. For the past 6 years I have been trying to get it discharged like the ombudsman said to do but XXXX XXXX XXXX keeps denying and won't tell me why.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (FL)

This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance.
Consumer complaint received 2024-10-28
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I am XXXX years old and will spend the rest of my life having to freeze and unfreeze my credit accounts because of the Equifax security breach. As I move towards buying my first house, I called to unfreeze my account so a mortgage lender can review it. The online and phone systems both do not allow me to unfreeze, and also alerted me that after XX/XX/XXXX, I will be responsible for paying for freezes and unfreezes. This is blatantly unfair that the burden rests on consumers to pay these fees. They have essentially, in the process of poorly safeguarding incredibly sensitive information, ensured themselves ongoing profits! This is unacceptable. 

As a financial institution, this security breach shows that this company should not be trusted with consumer information that can make or break our lives. I 'm writing to request that the CFPB do whatever it can to shut Equifax down, and to please include me in any class action suits against them.