davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: HireRight Solutions, Inc. (OH)

I was terminated by XXXX XXXX XXXX on XX/XX/XXXX.for having a dirty truck.immediately after returning from their selected doctor 's office for the annual XXXX jn XXXX XXXX, which was a reminder of the year before in which I sat at the terminal for a XXXX after and a few other days in which I was initially told that I would n't be paid according to my dispatcher " XXXX '' at the time. However, XXXX XXXX later relented and put {$150.00} on my card. Unfortunately, the year XXXX did not end so well for XXXX. XX/XX/XXXX he decided to make some disrespectful comments to me by saying I was " acting like an XXXX '' in front of a witness XXXX XXXX my current dispatcher at that time. XXXX had earlier givrn me the letter head paper to write XXXX XXXX up on which he had refuse to sign and stating he had called XXXX XXXX about what he had done. XX/XX/XXXX came and the safety department of XXXX shut me me down due to the lack of eye wear. After arranging another person to drive a company vehicle I was escorted around town to the local XXXX to retain some eye wear. After sitting a few more days I was told to go with my dispatcher to XXXX XXXX to get another pear of glasses because the glasses from XXXX were taking to long and XXXX XXXX could get my XXXX within an hour. The following day I was again driven to the doctor 's office to complete the DOT physical. After a sucessful completion of the XXXX I was told to report to XXXX 's office at which time I was immediately terminated for having a dirty truck. I was told that they would empty out my property and was told standby and watch. Afterwards, I was driven to the airport to get a rental car with XXXX 's permission. I returned to the XXXX XXXX terminal to retrieve some of my items. XXXX days later I returned to get the rest of my property. I later went to work for XXXX XXXX, XXXX XXXX. and In XX/XX/XXXX I went to work at XXXX XXXX XXXX XXXX for XXXX weeks at which time adverse action took place. I was told by the Safety XXXX XXXX XXXX that I had lied on my application and I told him in front of the HR women that I did n't. XXXX proceeded to say that I had failed a XXXX or refused to test in XXXX and asked who told them that at that time the HR woman said XXXX and I asked if I could see it she said " No '' then I said I 'd taken a XXXX XXXX in XXXX and I then asked for a copy of threir report and I was denied. However, XXXX did give me copies of why I had been terminated by XXXX XXXX XXXX XXXX basically saying I had lied on my application which was n't true. When I returned to XXXX I contacted all parties. The majority insisting on adjudication on this matter.NECESSARY DOCUMENTS WILL BE FAXED UPON NOTICE Thanks XXXX XXXX XXXX
Consumer complaint received 2024-11-12
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. (OH)

To whom it may concern, This letter is a formation complaint that you are reporting inadequate and incomplete credit union on my TransUnion Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your re [ porting services could XXXX, mail or email is a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

Hi, I have been trying to get my mortgage modified since XXXX. My servicer is Caliber Home Loans. My uncle co-signed my loan when I purchased my house. I was told by XXXX XXXX, my Caliber representative to have a quit claim deed filed removing him which I did in XXXX. My uncle does n't live in the property and does n't contribute to my household. I have submitted XXXX loan modification applications. I am also working with a HUD counseling agency. The very last modification that was submitted she thought we had worked out this issue regarding my uncle and the quit claim deed. They continually ask for either his financial information or the quit claim deed. I have submitted the quit claim deed numerous times. When my counselor called Caliber and spoke to their representative XXXX ID XXXX she explained the whole situation. XXXX stated that they could n't see the transfer of title. They each pulled up a copy of the deed and the counselor showed the Caliber representative exactly where the transfer was. XXXX stated she understood and could see it and would show underwriting and have the file escalated. XXXX advised the counselor to call her back in a few days ( XXXX XXXX ) When my counselor called XXXX back a couple days later for a resolution XXXX did n't pick up the phone so the counselor left a message. XXXX never called her back so the counselor called again and was told the file was denied because they never received the quit claim deed or my uncle 's financial information. This is very frustrating as I feel as if this is being done on purpose. I have submitted the complete package to them again today with a letter explaining the deed transfer.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

There is a US Department of Education ( Direct Loans ) account on my Experian credit report that shows past delinquency. This is inaccurate information. I disputed the account with Equifax and TransUnion, and it was promptly corrected. I have attached a copy of the dispute results from XXXX. Experian refuses to reinvestigate the account, stating that they previously verified it in XXXX 2013. The dispute from 2013 is unrelated to my current request. This account is no longer serviced by the Department of Education, as it has been transferred to XXXX. I would like for this account to be deleted, or for the delinquency to be removed.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I reported to Transunion, XXXX and XXXX credit bureaus that XXXX XXXX XXXX  XXXX XXXX had a delinquent account on my credit report that was " Included in my XXXX  XXXX bankruptcy '' in 2022 and the delinquent account should be removed from my credit report. The credit bureaus refused to remove the delinquent account. I contacted XXXX XXXX XXXX XXXX and asked them to remove the delinquent account from my credit report and they have refused. The delinquent account is damaging my credit score and this is being done on purpose by the credit bureaus, who are being paid by XXXX XXXX and it is being done deliberately by XXXX XXXX to punish me for filing bankruptcy and to make me pay higher interest for any loans and credit cards I may apply for. It is discriminatory against XXXX consumers because XXXX consumer pay higher interest for loans than their counterparts because of corporate predators.
Consumer complaint received 2024-11-12
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. (WA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}
Consumer complaint received 2024-11-12
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. (WI)

Today XX/XX/XXXX i was the victim of a robbery where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. I apreciate your help in removing this from my records. 
the Inquiries are as follows : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not my debt! This is the debt of my ex-wife. I repeat this is not my debt. My ex-wife XXXX XXXX took my information and got an apartment in my name without my Knowledge or consent. 


This company has not provided any documentation or proof of this alleged debt because it is not mine, and I did not open these accounts Nor did I have any knowledge of them. Please delete off my credit report. Thank you
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Attached please find all my supporting documents of regular payments, ON TIME, and the escrows accounts in question. I have been trying to rectify this situation by calling the phone number furnished on the Ocwen document, XXXX. I have spoken numerous times before I started to take names and employee ID 's. Those names are as follows ; XXXX # XXXX XXXX # XXXX and their supervisor XXXX # XXXX. I requested a supervisor when I was not getting a comprehensive answer to any of my questions and concerns. I also kept giving my cell phone number when speaking to them and asked for the information they have on file to be changed. That never happened even when XXXX said, " I will email my supervisor and give him that information to return your call '' only then did I get a call back because I told them that I had to get a lawyer involved. When XXXX did call me back it was on my HOME phone number which I specifically asked them NOT to call me on, just the number I gave XXXX and XXXX. When I asked XXXX why he called me on that number he just said, " Sorry ''. Really? Am I supposed to have faith that the people in charge of my mortgage will do it right when they can not even get a proper phone number? I had asked him to explain the shortage and he tried to tell me that it was from XX/XX/XXXX. I keep all the paid bills and cancelled checks along with my balanced check books regularly. As you can see I keep accurate records of all my mortgage and tax bills along with my homeowners insurance. When I asked XXXX to fax my lawyer over the documents requested he tried to tell me that he would email to me. I had told him that it was too late because now my lawyer would like to look them over. As of today, XX/XX/XXXX, my lawyer has not received anything from Ocwen. I find this a disgrace of the company and complete disregard for a loyal customer. I told XXXX that I will pay the amount that was previously billed and that if Ocwen wanted to increase that amount that they would have to provide me with evidence of such an increase. 
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.
Consumer complaint received 2015-08-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Tebo Financial Services, Inc. (OH)

Tebo FinancialXXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXXXX/XX/2015RE : XXXX Chrysler PT CruiserVIN Number : XXXX On XXXX XXXX, 2015 I received a call from XXXX XXXX attempting to collect on the discharged debt. After calling Tebo Financial, they then stated they were prohibited by bankruptcy laws with regards to contacting us and collecting on a discharged debt. This is a clear contradiction. 

On or before XXXX XXXX, 2015 Tebo Financial authorized XXXX to repossess the XXXX Chrysler PT Cruiser, at XXXX XXXX XXXX XXXX, Ohio XXXX. On XXXX XXXX, 2015 this vehicle was recovered by XXXX. 

After the vehicle was repossessed on XXXX XXXX, 2015, I did not receive any legal communication required through Ohio Repossession code ( XXXX XXXX ), regarding my Rights to Cure. The vehicle was set to be auctioned on XXXX XXXX, 2015 without any notices sent stating the vehicle had been repossessed or the creditor 's intention. I did not receive a NOTICE OF OUR PLAN TO SELL PROPERTY or Notice of Default and the Right to Cure. 

In addition to these violations and non-compliance, I was not properly informed about my personal property left inside the vehicle. Tebo Financial failed to document properly and inventory the personal items left in the vehicle per Ohio repossession laws as well. 

At this time, a complaint with XXXX and Attorney General Office has been filed. I will seek sanctions through the Bankruptcy court within the coming week if a resolution is not promptly met. 

A refund of {$830.00} for recoverable charged fees will cause this matter to halt and not proceed with legal action. 

1. Loan Fees {$510.00}. Interest {$190.00}. Auction Storage fee {$91.00}. Personal property fee $ XXXXPlease feel free to contact to me with a resolution to this very time sensitive matter. 

Regretfully, XXXX XXXX
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (AL)

A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!
Consumer complaint received 2015-08-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NJ)

I attempted to obtain a duplicate certificate of title on a 1996 automobile which does not have a lien but the NJ XXXX XXXX XXXX XXXX shows a lien holder, XXXX XXXX XXXX which was taken over by JP Morgan Chase. Chase has no record of the lien but their " Lien Release-No Record '' letter does not list XXXX XXXX XXXX as a predecessor company.Consequently, the XXXX will not issue a duplicate certificate of title.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I was working on a loan modification with my lender ASC Wells Fargo is the servicer. I was told the modification review was halted for XXXX different reasons. The first reason was missing paperwork. The required paperwork was submitted but in fact the home preservation specialist was reassigned and my paperwork was lost during the transition. Second reason I was given and a very different one was that the value of my home was in the XXXX range and therefore a modification or principle reduction was not possible. The comps the lender used were comps outside of my neighbor hood and the appraisers were located in cities XXXX miles away. The appraisers did not look at the recent solds on my street which are in the XXXX range. I sent the recent sales ( XXXX range ) in my neighborhood info to ASC. The information I provided with the accurate home value info was forwarded to a loan specialists with Wells Fargo. I received a letter that they were reviewing and would get back to me. The review was to be completed by XX/XX/XXXX. That date passed and I did not hear back from Wells Fargo. When I called to inquire the loan specialist assured me the denial for loan modification had nothing to do with the inflated appraised value of my home. Within a week a sale date was set for my home and no written communication came from Wells as promised. It was all verbel. I contacted XXXX XXXX the Wells loan specialist to inquire as to why I had not received in writing the reply to my request for further review. It was suppose to be received XX/XX/XXXX. See attached letter. When I spoke with XXXX I asked what the price would be for my home at sheriff sale and she indicated it would be in the XXXX range the true value of my home based on recent sales. Essentially Wells denied a modification this time because their appraisers valued my home in the XXXX range when in fact the value is in the XXXX range as confirmed by XXXX XXXX and that is the price it will be sold at sheriffs sale. How can a lender be so far off on determining market value of a home? Why would slender rather foreclose on a property than do a principle reduction and keep an owner of 27 years in their home and at the same time keep the neighborhood from decline. My complaint is two fold. I have been given multiple reason for denying a loan modification and the lender Is responsible for using inaccurate comps to value my property. Inexcusable for a lender. I have yet to get a sherries notice. I found out about the sale date in public records. I thought I was to be given 30 days
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports
Consumer complaint received 2024-11-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-11-12
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. (MO)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} INQUIRIES : XXXX XX/XX/XXXX
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank has put a dispute on all XXXX credit agencies. I have tried to determine what the dispute is for ( we are not behind or late and we are not disputing the balance ) they have not been able to give me a straight answer for this either. The best excuse that I have got from them is ( we filed bankruptcy in XX/XX/XXXX but Chase was not included ) that because of the bankruptcy they automatically put a dispute on the accounts. They want us to reopen the bankruptcy and refile with the bank to remove the dispute. 
All we need is a letter saying there is no dispute, we are trying to refinance with a HARP loan.
Consumer complaint received 2024-11-12
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. (VA)

Under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.