davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, 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. (NJ)

XXXX XXXX XXXX XXXX. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.XXXX   hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status. 
As of this writing, the report on TransUnion says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Trafficking Block Request To Whom It May Concern, 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 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 {$7400.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-11-15
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. (TX)

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is been reporting on my credit since XX/XX/2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution.  XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from XXXX, who claims Transunion initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I have a POA for  a Citi Bank  customer. I paid for  XXXX   XXXX   XXXX   XXXX   credit card using on-line bill payment from   XXXX    XXXX   XXXX  to  Citi Bank. Unfortunately, I had a typo in the amount of the check. I typed {$15000.00} rather than {$1500.00}. Citi Bank has been unwilling to return overpayment to me.
Consumer complaint received 2019-02-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

Thats not a full and complete investigation. You didnt addressed my complaint if you look at my credit report it shows that in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I made payments on this car that information is falsified. Show me my  payment history. They made {$1.00} payments to keep this automobile in statue. I dont know what I owe. I dont think I owe anything. Ive been given several different amounts and it was XXXX then it was XXXX and now its reflecting as XXXX on my XXXX. I have not made any payments since XXXX or XXXX the car was sold to me as a total out vehicle. Check and see wasnt that car totaled by checking the VIN # and youll find out that XXXX XXXX was paid by Insurance Company and Westlake. They should go after them. I spent over 5,000.00 in repairs on this car only to find out they shouldnt have never sold me that vehicle. On top of that Westlake is also shady they have been making payments on this account as though I was making them. Please investigate this to the fullest and you get to the bottom of the truth. I could have sent you those same papers but thats not what I owe, like I said if you look further you will find deceit on XXXX XXXX behalf and Westlake Financial.  Thank you
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a potential fraud activity from accounts being opened in my name through XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain XXXX and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/XXXX received a fraud activity alert from XXXX for 4 accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from Transunion on 1 Account XXXX
Consumer complaint received 2019-02-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In an effort to get out of debt and improve my credit score, I did a cash out refinance on my home and used the cash to pay down 3 credit cards. On XX/XX/2019, I made a payment of {$9000.00} to my Bank of America credit card. This left me with a remaining balance of {$3200.00}. On XX/XX/2019, I received an alert email from Bank of America stating that they had decreased my credit limit from {$12000.00} to {$3400.00} effective immediately. No notice or specific explanation. They did manage to tell me that any purchases I recently made or automatic debits may not process and would be returned. This effort to improve my credit score is now futile because this decrease in my credit limit will negatively impact my credit score and my utilization ratio. Immediately after receiving the alert email I called Bank of America and was told that the only department that could make any changes, was in a " back office '' and not accessible to the staff. Only a shady business would say such a thing and treat their customers this way. 
On XX/XX/2019 I received another email from B of A. This one informing me that my statement was available and I had a payment due of {$120.00} and my credit card balance was now {$3300.00}!!! I had made no purchases. I decided to print 2 of my credit card statements. The statement before my {$9000.00} payment and the one after. As per the Credit Card Accountability, Responsibility and Disclosure Act of 2009, my payment was was not allocated as required by law. They did NOT pay off the highest interest rate balances on my card first ( Bank Cash Advances at 21.49 % ) As a matter of fact, they paid very little toward the Bank Cash Advances. They applied the largest portion of my  payment toward my Purchases at 8.49 %. So I am still being charged 21.49 % on a large portion of my remaining balance. This added an extra {$43.00} to my balance due. They are violating the law and think they are untouchable. Apparently being sued by the government for prior violations has not deterred them.
Consumer complaint received 2019-02-04
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: Resurgent Capital Services L.P. (NV)

As of XX/XX/XXXX an account by the name of Cach LLC in the amount of {$9100.00} has been affecting my credit report. I didnt realize until I check my credit report in XX/XX/XXXX that I had this error ... So I instantly filed a dispute letter to all three credit bureaus ( XXXX, XXXX, and XXXX ) 30 days later I receive letters from XXXX and XXXX   stating the deletion of this account. Greatly pleased with the results of how fast they fixed the Incorrect error. However I dont think XXXX is taking this matter serious ... .I have called them and disputed this account as fraudulent And not belonging to me but still it remains with no validation. At this point I dont feel XXXX  is following the guidelines of the FCRA and removing this account from my credit report.
Consumer complaint received 2019-02-26
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: National Credit Adjusters, LLC (MI)

National Credit Adjusters has appeared on all three of my credit reports as a collection. I have never heard of these people, do not know who they are, have never taken a loan out with them and my credit score has dropped 20 points because of their actions. Please remove them from all three of my credit reports.
Consumer complaint received 2019-02-26
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. (GA)

I received a potential fraud activity from accounts being opened in my name through Equifax and XX/XX/XXXX on XX/XX/2019 and XX/XX/2019, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain Equifax and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/2019 received a fraud activity alert from Equifax for 4 accounts -XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from XXXX  on 1 Account XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Cycle Management Corp (NH)

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2019-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (TX)

I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with XXXX on XX/XX/ and onXX/XX/XXXX XXXX   notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. Midwest Recovery Systems is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my personal and business credit cards that I had for a long time. They just gave me general explation that the number of business accounts were too high. I did not have many business accounts and I had very good payment history and relationships with the Bank of America. I need your help to address this issue.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GRANITE STATE MANAGEMENT & RESOURCES (FL)

At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.
Consumer complaint received 2019-02-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (CA)

I have a 48 month lease with US Bank on a brand new XXXX I am selling my to a private party ( Lease is 5 months old ). Us Bank will not give me the payoff without the taxes included, and will not release the Title unless the taxes are paid at time of payoff to them.

This is ILLEGAL in the state of California via XXXX XXXX and XXXX in addition to publication 34. It states I have 10 days to transfer Title to a 3rd party who is responsible for paying the taxes. In addition to being illegal, I am selling the vehicle for less than I owe which means I am responsible for more tax than is actually owed at the time of sale to a 3rd party. I have stated this to US Bank and they told me tough luck.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (UT)

Perfection Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX   This group cost me time and money in XX/XX/XXXX and now I know why! They reported to credit without complying with the law by giving me notice to dispute a debt. 

I received a letter today that this account is reported to my credit. I do not owe this account and did not have a chance to dispute the validity. The letter received today is the first ever communication I have received. 

Creditors should stay away from using this collection company. Perfection Collection will get you sued!
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

I provided all of the necessary information to Experian via their website and the website said they can not place a credit freeze on my account at this time and I have to send all my information by snail mail. I would guess I freeze and unfreeze my credit once a year on average and Experian always says they can not do it online. What's interesting is that I never have any problem freezing and unfreezing my credit with XXXX or XXXX. Also, neither XXXX nor XXXX is as aggressive about selling identity theft protection as XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Good Evening, and please help me with this. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Today is XX/XX/XXXX, I received a letter from Experian credit agency regarding my dispute of the item that has been on my credit profile since at least XXXX. There response is that the information I provided from XXXX  credit agency that stated the item was paid in full, was irrelevant, which is false, they have made a determination that the item is mine, treating the issue as Frivolous, I have took a lot of time to dispute this item and I am being ignored, which is very unprofessional coming from a agency like Experian. No Way this dispute is being verified and yet they continue to mail false letters of verification.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

Effective XXXX, my loan was transferred from XXXX to PHH Mortgage Services. As of XX/XX/XXXX, I received a letter on XX/XX/XXXX dated XX/XX/XXXX/19 from PHH that my loan was transferred and how I could pay. Mail should not take 2 weeks so they must have backdated the letter. 
My complaint is that I have received no actual statement from PHH and payment is due in 3 days. 
I attempted to call customer service ( XXXX ) XXXX multiple times and got a busy signal. 
I will send payment in mail tomorrow even though I have no payment stub. I will not do mortgage business online if offered ; and I expect statements to be mailed in time according to laws and common practices, which historically has been at least 10 days prior to due date.