davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (NC)

The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a ( 4 ). 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
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.
Consumer complaint received 2017-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had fraudulent activity on my XXXX card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELLO THIS IS AN ON GOING ISSUE WITH XXXX, AND TRANSUNION PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... 3 WEEKS AGO XXXX REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX  PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION XXXX RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX XXXX XXXX XXXX ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT XXXX TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS XXXX WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO XXXX AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK
Consumer complaint received 2017-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (AZ)

First, this company ( state Collection ) is reporting multiple amounts on my credit report from the SAME medical office. XXXX XXXX XXXX is the original creditor. I have been paying them XXXX small amounts and filed for financial assistance in XXXX, and again in XXXX. NEVER heard back. The next thing you know, I see that State collection has me reported for the following amounts on my credit reports. - {$970.00} - {$610.00} - {$430.00} - {$200.00} - {$180.00} - {$150.00} - {$110.00} - {$86.00} - {$70.00} What XXXX does is they bill you one large amount on one bill. As you pay it down they apply the money to the MOST RECENT date of service then they charge off each date of service separately to make it more of a hit on your insurance. I applied for financial assistance. I am on XXXX. I am struggling. I do not need this from either State Collections or XXXX. Please investigate this as this is how they operate. I do not agree with these dollar amounts. I ased State Collection for a DETAILED statement when I got a letter from them as I did not agree with it. No response at all. Now it is all over my credit report on 9 different lines! This needs to be removed off of my credit reports and XXXX needs to respond to my financial assistance request. I am attaching a debt validation letter mailed to statewide collections on XXXX/XXXX/XXXX
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I believe the company is possibly involved in an unfair and illegal practices when it comes to consumer credit cards. I was sent a pre-approval from Chase due to my excellent credit, which I accepted. After completing the application, I was informed that I was approved for a $ XXXX credit limit. After receiving the physical card in the mail, I created my online account and discovered that the card shows as " closed ''. I called Chase customer service department to inquire as to the reason. After being transferred numerous times, and speaking to numerous associates, I was finally advised that the card has been closed due to the bank 's discretion and that I my credit history does n't meet the chase preferred credit card requirements. This upset me as I was just approved 4-5 days earlier and had not even had a chance to use the card. If there was something in my credit history to condone closing of the card, this should have been done in the 1st place and the application should have been not approved/declined. Now Chase card appears on all of my credit bureau accounts as a closed card by the creditor. It is my understanding that its an illegal practice, much like what XXXX XXXX has been doing and has been fined by the US government. Chase bank approved my application, their associate received the credit for it, and now 4 days later they are closing the card and impacting me credit history negatively.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX has sent correspondence that they are neither lender or servicer of our mortgage. Per Select Portfolio the original note was either destroyed or mutilated. We have continuously asked how to determine the true lender. That request has fallen on deft ears. Based on the documentation received regarding our home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX we feel SPS is trying to steal our home. Per Arkansas law the lender is required to provide the name and address to where the original note is held. Select Portfolio is unable to produce such document as the original note has either been " destroyed or mutilated ''. What ORGINAL documentation is being used to determine that XXXX XXXX had the legal right to initiate collection/foreclosure procedures?
Consumer complaint received 2024-10-08
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. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I contacted someone via XXXX on Tuesday, XX/XX/XXXX, who claimed to be selling two XXXX XXXX XXXX wristbands for {$120.00} each. Their phone number was on the posting so I texted this person. They told me they were out of state and I asked if they could mail one of the wristbands to me. They responded, " Yeah! I work for XXXX, I can just overnight it? Have it there like Wednesday or even tomorrow '' and I responded that was okay. I asked if XXXX was okay but they suggested Chase Quickpay after I responded that I have a Chase bank account. I checked Quickpay 's buyer They gave me his email to send the money. I asked for a picture of the wristbands with the packaging for verification and they sent me a photo of 2 wristbands on top of the XXXX packaging. I sent the money and since then have sent three additional texts and called them twice and of course have not heard back from the fraudulent seller. 

Today, Wednesday XX/XX/XXXX, I called Chase customer service to see if they would reverse my payment to the scammer. They told me there was nothing they could do since the payment was already labeled as " funded '' and that I should " ask the recipient to send my money back ''. Obviously this is impossible. Chase has been of no help and I can't believe they don't help their customers who have been the victim of a scam involving their company.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDNELNET, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Closure : The account was officially transferred and closed as of XX/XX/XXXX, and any subsequent late payments reported after that date should not have been reflected in my credit report. The delay in processing during the transfer led to an incorrect XXXX late report, which is not an accurate representation of my payment history. 
Payment History : Prior to the transfer, I consistently made all payments on time, as is evident in the payment history up until XX/XX/XXXX. Any discrepancies reported after that date were a result of administrative issues during the account transition, not a reflection of my payment habits. 
XXXX XXXX in XXXX : Although I filed a dispute regarding this issue, the account was marked as resolved, but the late payment entries remain on my credit report with TransUnion. This is a clear indication of an unresolved issue in the reporting process that needs further review. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (FL)

My account was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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.

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.

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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-06-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (TX)

One XX/XX/XXXX I divorced my wife and left her the house in the divorce. To this date she has yet to make an on time payment on the house. My name is still on the mortgage and she has been damaging my credit. In XX/XX/XXXX a loan modification was done without my consent. The modification did not remove me from the loan or relieve me of responsibility in anyway, yet it extended tge term of the loan, again, without my consent. I have requested documentation on this from Midland Mortgage Company several times and have yet to receive it. I fail to see how a bank can legally do anything to a mortgage with my name on it without my signature.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MN)

A Collection is reporting on my credit report in the amount of {$230.00} as of XX/XX/year>. I disputed this collection on XXXX and it was deleted. A day later the company tried to Re-age the account to keep this illegal reporting existing on my account. 
According to FCRA re-aging of credit is illegal
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.
Consumer complaint received 2024-09-16
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-16
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. (SC)

I contacted the creditors and credit reporting agencies involved in the inaccurate reporting of my credit. XXXX, XXXX XXXX, Transunion, and XXXX. I asked that the inquires be removed from my account, they weren't, I also asked for them to delete certain accounts and they didn't. I also asked these credit bureaus to stop reporting old addresses by first calling them, disputing through XXXX XXXX, now I'm submitting a complaint through your bureau for all three as well as XXXX XXXX, I asked them to clear up old accounts, addresses and derogatory information and they refused. Illegally using and reporting my information and keeping my credit history and score at an inaccurate, discriminatory level. After careful research these companies have violated numerous Titles, sections and statues in Consumer Law, there are but not limited to : THE FAIR CREDIT REPORTING ACT THE FAIR DEBIT COLLECTIONS PRACTICE ACT TRUTH IN LENDING ACT CONSUMER CREDIT FAIRNESS ACT FAIR CREDIT BILLING ACT EQUAL CREDIT OPPORTUNITY ACT *Title 12 CFR 1006.6,1006.10,1006.10,1006.14.1006.18,1006.22,1006.26,1006.30,1006.42, 1026.4 Title 15 U.S.C. 1605,1611, 1666 ( b ) ( d ) ( i ) ,1681, 1681m ( d ) 15.3 Discrimination, 819.122 and 123, 7286.0, 7287.0 Title 18 U.S.C. XXXX XXXX Title 18 U.S.C. 666 Title 18 U.S.C. XXXX XXXX 1001,1002,1004,1005,1201 ( a ) ,1028, 1028 ( a ) 241,242, 287 and 2340 Title 31 U.S.C. 1301 and more
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

To whom it may concern, I filed bankruptcy in XX/XX/year> and it is still showing on my credit report. I would like this removed it has been more than 10 years. I have also been paying my mortgage on time and did not reaffirm so this is not reporting either.

Please help me Resolve these issues and increase my credit score. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-06-28
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. (LA)

I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.