davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2018-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TN)

I went XXXX XXXX XXXX on XX/XX/XXXX and the emergency physician is XXXX XXXX. I received a bill in the amount of {$800.00} where XXXX was billed incorrectly opposed to XXXX XXXXXXXX XXXX. I contacted the XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the mix up. 

They told me that they spoke to someone named XXXX at XXXX and she told the XXXX XXXX that it was paid on XX/XX/XXXX and the XXXX XXXX thereafter sent a duplicate claim on XX/XX/XXXX which was denied due to it being a duplicate claim. 

It was then sent to a collection agency by the name of On-line services in error and I started receiving harassing phone calls and having issues with the collection agengy damaging my excellent credit and dropping my score. contacted XXXX back and they stated the EOB was needed. I sent the EOB ( explanation of benefits ) via email to a manager at The XXXX XXXX by the name XXXX. 

The manager called the XXXX XXXX Claims Dept to get the original ck #, needed the EFT. Told me it would show paid with the XXXX XXXX but has failed to remove off if my credit which originally should not have been put on my credit due to their mistake of filing with the wrong insurance company. 

I am demanding that the entire debt not only show as paid but removed off of my credit completely and my credit score points restored. I was in the process of purchasing a home and my score has dropped 26 points because of their negligence. Your immediate attention in this matter is greatly appreciated.
Consumer complaint received 2018-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

During the Irma Hurricane, the mortgage company offered me a XXXX month forbearance without explaining clearly that after 90 days, the full amount of the three payments would be due all at once. I have been complaint with all requirements and payments scheduled and I am now in a repayment plan after being denied and no written reason ( I have been reported to the credit report for delinquency in my mortgage )
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I accidentally created an account with Trans union and was immediately charged to my credit card.In their advertising, Trans Union falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. Luckily my credit history is too new and they said " I won't be charged ''. I then wanted to close my account but they make this purposefully difficult to do.
Consumer complaint received 2018-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Fraudulent transaction charged on XX/XX/ in the amount of {$550.00} Chase Bank refunded back {$550.00} once reported on XX/XX/ Merchant refunded back {$50.00} out of {$500.00} without solicitation or request on XX/XX/ Refund from Merchant of {$50.00} prompted Chase to charge {$550.00} stating I know merchant since they refunded {$50.00}. 
I told Chase I do not know merchant and did not authorize any charges or credits to my account. Therefore any charges and credits from Merchant are fraudulent. Chase is unwilling to refund fraud transactions.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I bought my house in 2003 for XXXX. I put XXXX  as the downpayment. My loan was with XXXX  After more than 12 years paying them, on time, my loan went up. For months I tried to negotiate the loan ( trying to bring the principal down ) because it just went up. I sent them all the letters they requested. Months and months passed and they made all kinds of excuses. Then they sold the loan. I tried to get a loan modification through HUD and a lawyer. The loan modification I got has horrible terms. After paying more than 300K to the various companies, I still owe XXXX plus some late fees!!!! That is not just outrageous but unethical and perhaps illegal. I have been paying XXXX to Rushmore who bought my loan from a horrible company called XXXX which is now being sued. I have never been late in payment but my principal does not go down. Now they have raised the monthly fee to XXXX  which they say it is for back taxes. I did not agree to this as coming up with XXXX dollars a month is a lot of money. I would like to pay the same amount and I would like them to reduce the balance. Why should they be making XXXX percent profit and the homeowner NOTHING. I want them to reply and to come up with a resolution that is beneficial to me and not just to them. I also pay for insurance and HOA which means I can't come up with XXXX extra a month. I would like CFPB to negotiate a better loan with them. I want to own a brick in my houseXXXX XXXX XXXX
Consumer complaint received 2018-05-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

EXPERIAN REPORT # XXXX for XX/XX/18 After submitting online and writing personal denying 609 Letter of original confirmation of medical debt and chain of title ownership and final ownership of buying medical debt paper from the collector before them Medical debt over 7 years old Refusal of removing incorrect info after 12 months of proven attempts Creditor XXXX XXXX XXXX acct # XXXX Debt of XXXX Dollars Original Creditor XXXX XXXX XXXX After several attempts creditor XXXX XXXX XXXX over 12 months could not provide ownership proof of debt Refusal of 609 letter clear violation of Fair Credit Reporting Act
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

eqyuifax customer service would not help and take care of the negative inquiries reporting to my credit report XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-17
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 a 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 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Im writing to dispute the XXXX record of a Toyota Motor Credit Corp report, reference # XXXX, of which the XXXX XXXX was in a accident around XX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the Toyota Motor Credit Corp about the accident with the claim number assigned by XXXX. Then I was told by Toyota Motor Credit Corp that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with Toyota Motor Credit Corp representative that there was nothing I need to do and all the matter would be settled between Toyota Credit and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called Toyota Motor Credit Corp again in XXXX to make sure the matter was settled, Toyota Motor Credit representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX  to address this issue, XXXX representative told me that Toyota Motor Credit Corp did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the Toyota Motor Credit Corp representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX  for my own business until XX/XX/XXXX.

When I returned to the US, I received a letter from Toyota Motor Credit Corp that asked me to pay {$500.00}, which I immediately payed Toyota Credit. According to the Lease agreenment Toyota need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of Toyota Motor Credit Corp and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, Toyota Motor Credit Corp now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and Toyota Motor Credit Corp should also have record of the phone calls. Therefore, once again, I sincerely hope that Toyota Motor Credit Corp would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX Sears/CBNA reported to XXXX following an alleged investigation I failed to pay {$3300.00} for an account charged off over 3 years ago. On XX/XX/XXXX I received an alert from XXXX   about new information updated on my reports that requires my attention. When I checked my credit score it reduced 6 points less than 3 days from Sears update reported. Sears did not refuse the lump sum payment received to settle account prior to closing in XX/XX/XXXX
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I chatted in great detail, nearly 30 minutes, online with a XXXX XXXX representative XXXX XXXX who confirmed that she would initiate a dispute for XXXX XXXX Store Card transaction from XXXX. On XX/XX/XXXX I chatted online with a XXXX XXXX representative XXXX XXXX  who confirmed that the dispute for XXXX XXXX Store Card transaction from XXXX. was indeed initiated and is " under process. '' Today, Friday, XX/XX/XXXX, at XXXX, I received in the mail, a letter from Synchrony dated XX/XX/XXXX. This letter states I have 15 days from the date of said letter to complete the Dispute a Transaction form and return it XXXX XXXX   -- 11 days have already passed and it is the weekend. As I have indicated, I have already contacted them twice and was told both times the dispute was initiated and in progress. Synchrony 's policy states I will receive in writing the investigative findings of the disputed transaction in two billing cycles. Two billing cycles have passed and now they pull this? This makes no sense, unfair and is just plain wrong. I have copies of both online chats with Synchrony regarding this issue.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them and have clearly been a victim of identity theft ( or attempted ). I was told " sorry we don't dispute/delete hard inquires " these inquires are false and fraudulent. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of to many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones below.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I have a XXXX XXXX XXXX  consolidated loan. I am currently on an IDR ( as well as the PSLF. ) My IDR was re-calculated and went up 250 %. 

My AGI inXX/XX/XXXXs taxes was {$25000.00} My AGI for XX/XX/XXXXs taxes was {$30000.00} My IDR based on 2016 was {$59.00} My IDR based on XX/XX/XXXX is {$140.00} I don't think an increase of 250 % is fair. I did expect the payment to go up, but thought it would be at most an extra {$20.00} to {$40.00} a month. I do not want to go into forbearance, just want a fair payment setup for IDR.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo charged a late fee on my credit card on the date the payment was due. I saw the additional {$25.00} on my balance and there was no activity whatsoever. Not one person I spoke with could tell me what the {$25.00} additional balance due was. I closed my account due to the extreme hassle of having to do business with Wells Fargo. I found out a week later that the charge was actually a late fee, posted on XX/XX/2018. My minimum payment was due on XX/XX/2018. I was online to make the payment when I saw the additional balance ( I had not used the card in over a month ) and tried to find out what it was. See attached copy of my XX/XX/XXXX statement which shows my payment due on the XXXX of each month and the late fee posted on XX/XX/2018.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXXthey asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Consumer complaint received 2018-05-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NATIONSTAR MORTGAGE LLC (NC)

Nationstar assumed servicing of a loan that was cancelled with a XXXX from XXXX, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from Nationstar attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from XXXX for this debt, acting as a substitute trustee, holding a lien.
Consumer complaint received 2018-04-01
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: Experian Information Solutions Inc. (FL)

I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX/XXXX account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
Consumer complaint received 2018-04-01
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: EQUIFAX, INC. (NY)

Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any.

2. FCRA requires notification prior to submitting any negative information. I have not received any such.

Remove the following : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
Consumer complaint received 2018-05-05
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. (NY)

This account with XXXX XXXX XXXX XXXX was never late, however it is showing late payments on my credit report. The creditors have asked me to dispute it with the credit bureaus. below are the months that are reporting late. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX