davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX  XXXX Balanced : {$670.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-09-03
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act 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 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

JPMorgan Chase Bank , N.A . and Chase Home Finance LLC use " Void '' XXXX security instruments to financially gain from filing mortgage foreclosure complaints. Upon obtaining Judgement of Foreclosure and Order of Sale of property, JPMorgan Chase Bank , N.A . and Chase Home Finance LLC financially gain from the sale of the property using the " void security instruments ''. 

JPMorgan Chase Bank, N.A., on XX/XX/XXXX in the 19th Judicial Circuit Court in XXXX, XXXX, filed a mortgage complaint with a " Void '' security instrument stamped " Pay to the Order of Without Recourse, JPMorgan Chase Bank, N.A '' signed by XXXX / Assistant Secretary dated XX/XX/XXXX using a MULTISTATE InterestFirst ADJUSTABLE RATE NOTE, ONE-YEAR LIBOR INDEX, 10Yr.Interest Only Period, Single Family, Fannie Mae Uniform Instrument XXXX 

On XX/XX/XXXX JPMorgan Chase Bank N.A., JPMorgan Private Client Services - XXXX, XXXX ( Place of Settlement ) refinanced a loan that did not disburse any funds. There is no copy of the cancelled check that funded the loan or record of a wire transfer receipt to fund the loan at closing. Disclosures as required by the provisions of " Truth in Lending Act '' were not delivered at closing. The amount of funds disbursed by the check listed below were not on the U.S. Department of Housing and Urban Development Settlement Statement. 

The only funds disbursed for the loan was by check number XXXX on XX/XX/XXXX in the amount of {$76.00}. Routing number XXXX, account no. XXXX. 

The Name on the Account for the above check : Chase Home Finance , LLC Escrow Disbursement Account in Trust For Various Mortgagors XXXX, XXXX XXXX Bank Name : JPMorgan Chase Bank , N.A . 
4 Chase XXXX, XXXX XXXX Filed OCC Case # XXXX, OCC Appeal Case # XXXX, OCC Appeal Case # XXXX Circuit Court of the Nineteenth Judicial District, XXXX, XXXX Case XXXX. 

CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-09-03
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX account numberXXXX
Consumer complaint received 2024-09-03
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. (CA)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Consumer complaint received 2024-09-02
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (OH)

On XX/XX/2015, I submitted payment for my XX/XX/XXXX mortgage via the only option that SunWest Mortgage made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, SunWest did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
Consumer complaint received 2024-09-03
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. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXXXXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

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
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Everbank is claiming we have a 2 or 3 month history of late payments when in reality it was the fault of the bank. Everbank claimed we put a stop payment on a check we sent to them. 
I supplied all the bank info to prove there was never a stop payment issued by me or my bank. The bank made several errors that they admitted to but now claim it was our fault. I have been trying to work this out with them for over 6 months now with no success. 
They have asked for lots of info and we supplied it. Then they look into it and then ask for the same info again as the file or whatever was passed off to someone else. 
Most everytime we call we get a different person and have to start from scratch We are trying to get a refi and a equity loan and due to the erroneous reporting we are being denied. This situation has caused us much grief, lost time from work, interest rates are rising and without the equity line we are losing rental income. 
We need to have the negative reporting reversed. 
Do we need a lawyer? We can not afford one! 
We need help.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OH)

The purpose of this complaint is to obtain a transcript of my account and or final billing of the last 90 days of the account that is in collection : I requested home phone service be disconnected XXXX XXXX. XXXX XXXX I requested internet service disconnected. I was told I owed {$100.00}. i was told i would receive a final bill within a few weeks that would show the exact amount owed since i did n't have service the full month of XXXX. 
XXXX XXXX i called XXXX sales department to start new service. i was told i was not eligible for service with them until i paid the final bill then I was transferred to customer service and paid old bill of {$100.00} then i scheduled new service installation XXXX XXXX XXXX XXXX i noticed XXXX collection was on my credit report. i sent copies of my statement showing this was paid before the new service began and i have repeatedly requested a copy of the final bill which shows i owe an additional {$82.00}. 

i have called XXXX and requested a copy of the final bill. i have requested this from the credit bureau and from the collection agencies. i do not have bad credit besides a medical bill and the fact that i can not get this removed from my credit or marked as paid is bothersome. What is even more bothersome is that i keep asking for a copy of the final bill showing i still owe funds. i had XXXX for over XXXX years and they never ever allow your new bill to generate if the old bill has not been paid. 
My monthly bill was {$84.00} each month for phone and internet combined and this was auto debited from my account for years. Please request they remove this from my credit or send me the final bill as i have requested for over a year. They keep sending this to new collection agencies which is really causing my credit score to drop. 

Thank you.
Consumer complaint received 2024-09-02
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. (DC)

I recently received a copy of my credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (SC)

I am recently widowed with a XXXX year old and soon to be delivered XXXX XXXX. Great Lakes is my student loan servicer. I submitted a payment for approximately {$140000.00} for my student loan payoff which was received on or about XXXX XXXX, XXXX. The payment was cashed and funds withdrawn from my account. The payment showed as processing on my online system as of XXXX XXXX, XXXX. On XXXX XXXX, I contacted the servicer because the payment was still showing processing. I was told it can take a few days but interest would no longer accrue as of the date received - XXXX XXXX. This past week I followed up again because an auto draft payment was processed and the larger payment was still outstanding. I was told the payment was sent to the incorrect place and that it was being " processed '' to return the funds. All the while interest was still due and accruing. 

Now I completely understand that if I sent to the wrong place that is an issue I need to deal with but I followed up with my servicer to see if there was a problem. When I spoke with an agent she said they knew on XXXX XXXX the payment was not made to the correct place but it can take 30-45 days to have a new check issued to me. As of XXXX XXXX, the payment was still showing as processing on my online system and a new " check '' was still being processed to return the funds. However by cashing my check the servicer converted those funds and took title to them. If it was sent to the wrong location there was no need to cash my money and then keep that money for now 30+ days. Had the check not been cashed I could have had the payment voided by the bank and reissued to be sent to the correct location. But now the servicer is saying that even though I followed up and was given false information I must pay the loan interest for this entire month! How is that right they can take my money for 30 days, preventing me from earning interest on those funds, while at the same time charging me interest when they told me the payment was just being processed. Again if the servicer had not cashed my check and again taken title to those funds I would have been alerted to some issue and been able to rectify this easily and quickly. But not only did they cash my check and take my money, the servicer gave me false information preventing me from being able to minimize my exposure to additional interest charged on my loans.
Consumer complaint received 2024-09-02
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. (OH)

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses, names, and inquiries are listed in the attached FTC.

FARUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-09-02
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. (NC)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These reports have been detrimental to my life and my credit health.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have identified information on my report that are a result of identity theft these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the reappearance of an account on my credit report. The account in question was previously deleted due to fraud, and an FTC Identity Theft Report was provided to TransUnion at that time. However, the account has now been reinserted without proper notification. 

Account Details : Creditor Name : XXXX  Account Number : XXXX Account Number : XXXX This account was investigated and deleted by both XXXX and XXXX and has not been reentered on their reports. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumers credit report, the consumer reporting agency must notify the consumer of the reinsertion within five business days. I did not receive any such notification regarding the reinsertion of this account. 

I am providing TransUnion with a new FTC Identity Theft Report to support my dispute. 

I request that you investigate this matter and provide me with the required reinsertion notice. If the account can not be verified, I ask that it be permanently removed from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

Fair Credit Reporting Act requirement is for the credit reporting agency within 30 days of a dispute or remove an time. Equifax did not respond within 30 days. 

The letter I mailed along with a copy of my social security card in which I attached to my letter to Equifax are attached.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

i paid off my credit card on XX/XX/2016 and a payment was due XX/XX/2016 and they are saying i : m 30-60 days late.there is a XXXX balance on my card as of now.And this issue is costing me XXXX points on my credit which is false,
Consumer complaint received 2024-09-02
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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I checked my credit report an there is a report to the credit bureau of a delinquent payment for {$160.00} to urgent care in XXXX VA ( XXXX ). The bill was paid in full and should have never went to collections and was agreed upon by the billing department from urgent care in XXXX. I was told the collection agency ( XXXX ) ( XXXX ) has access to their computers and this was done in error. This action has put a blemish on my credit and they should be held accountable and fix the error immediately.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I recently asked EQUIFAX to correct the credit line amount reporting on my XXXX XXXX account from {$2200.00} to {$2400.00}. Instead, they just deleted this open account. In addition, they have refused to delete " hard '' inquiries from XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that were to have been done as " soft '' or " account review '' inquiries. They continue to refer me back to XXXX XXXX for deletion who in turn refers me to EQUIFAX for deletion in a never ending cycle which results in NOTHING getting resolved!
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.