davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

After making 3 wire deposits from XXXX on XXXX XXXX, XXXX & XXXX and sending 3 wires on XXXX XXXX, XXXX & XXXX to resolve business legal problems Chase security restricted my account on XXXX XXXX. I had spoken with Chase security at length about this on the XX/XX/XXXX. I was told nothing would be allowed in or out of my account and it was being closed. Chase proceeded to accept my payroll check LATE on XXXX XXXX. Chase also has not accepted to pay my final check number XXXX to XXXX XXXX XXXX for {$61.00} even though there is enough money in the account to do so. I spoke with Chase customer service on XX/XX/XXXX asking when I will receive the balance of my funds and if they will pay my final check which I mailed on XX/XX/XXXX. They will not release my funds I am told until they compete an investigation even though by their words should have never accepted my payroll check.
Consumer complaint received 2024-09-08
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. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-02-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

Ill try to be brief. A company called CCB/XXXX gives me a loan for $ XXXX. XXXX interest yet makes it very difficult for the customer to make payments. Regularly stating my account can not be found. No auto pay option available and many small ways to limit or hinder an on time payment which in turn causes late fees for past due amounts. Ive addressed this issue with them and they have waived some fees and just recently made it easier for me to make over the phone payments. They state they understand my problem with my account yet now dropped my credit card limit from $ XXXX to {$400.00} bucks. Also I have two late payments on my record now because of the way they do business. They must be upset that Im trying to pay off my balance fast. This is their system and their lack of available payment options and is now causing huge damage to my report. I need help and options please. Thanks in advance
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Oregon Credit Service, Inc. (OR)

I am insured thru XXXX. In XXXX XXXX had reported 4 debts to Southern Oregon Credit Services. This was then reported to XXXX and XXXX which I had no knowledge of until last year XXXX. I became a member if XXXX XXXX and had noticed these debts on my report. I disputed all of them I believe 3 times. XXXX did remove the debt from my credit XX/XX/XXXX. XXXX however did not. I contacted Southern Oregon Credit Services and they told me they could not do anything until I speak to XXXX which I did and they also said they could not do anything and that I needed to contact my insurance. On XX/XX/XXXX I contacted XXXX and spoke to XXXX. She had informed me those debts were not owed at all by me as a matter of fact one had been paid and the others had preauthorizations. She put me on hold while she contacted XXXX. She got back on the line to let me know she had been on the line with XXXX. She told me XXXX had researched my account and had admitted they had overlooked everything. She then added XXXX to the call and XXXX informed me they had made a mistake and overlooked the authorizations and payment. She did not apologize however she did say she would contact me later that day after she speaks to Southern Oregon Credit Services. She never called me. On XX/XX/XXXX I contacted her. She informed me all debt is being removed from my credit as we speak. I asked her what kind of compensation I will be receiving considering this was their fault my credit had these negative marks for 3 years on not one but two credit bureaus. She became very rude and told me there will be no compensation and that I should be happy with the results. I then hung up on her. To this day those items still remain on my credit. The amounts are {$1000.00}, {$350.00}, {$220.00}, and {$77.00}. All are XXXX.
Consumer complaint received 2021-02-17
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: ONLINE Information Services, Inc. (OH)

ONLINE IN SV ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Date Opened XX/XX/2020 Balance {$1200.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently looked at my Transunion credit report and noticed some things are incomplete and not accurate. Account name XXXX XXXX XXXX XXXX has reported that I was late XXXX and XXXX of XXXX  which is inaccurate because indeed paid those months. As according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-17
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. (FL)

The following company is violating serious laws. I have requested a investigation and have not been provided the information requested as given to me by law.
Consumer complaint received 2021-02-16
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. (MA)

CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, XXXX  and Experian violations and none compliance of the Fair Credit Reporting Act. XXXX, XXXX  and Experian continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, XXXX  and Experian through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX  and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KS)

I applied for a refinance with AmeriSave mortgage in XX/XX/XXXX of XXXX. This was for a property my wife and I owned in Delaware, a second home in a resort area. We have refinanced this at least twice in the past. They did not express any concerns with our application or credit to proceed with the loan. 

Before they would begin the application process we were charged {$520.00} for a home appraisal, this was also on XX/XX/XXXX. The application process was VERY long, and required more documentation that other loans we had applied for. On or about XXXX AmeriSave terminated our application because the property 's homeowner policy allowed for short term rentals - basically renting out the home for vacationers. We don't do that with our property but the covenants of the development allow it. AmeriSave stated that underwriters for our type of loan would not allow this kind of short term rental allowance. 

So after months of responding to their every data request we are out {$520.00} when we should be saving money. I requested to get my {$520.00} returned to us since this was clearly AmeriSave 's lack of due diligence in screening our property ofr this eventual show stopper. Since we had refi'ed the property several times before we had no idea the loan vehicle they were using had this kind of restriction. They have refused to at least give me back the money for the appraisal for their misleading behavior and incompetence. Hope you can help. The AmeriSave loan number is # XXXX and my loan officers were XXXX XXXX and XXXX XXXX. I can provide phone and email if that helps.
Consumer complaint received 2021-02-16
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. (FL)

Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRANSUNION Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( XXXX U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.gXXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : XXXX reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : XXXX reported balance : $ XXXX balance owed : $ XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, TransUnion provides different information about the high balance. This inconsistency violates the FCRA ( XXXX XXXX. XXXX ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( XXXX XXXX. XXXX ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and XXXX, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference.
Consumer complaint received 2024-08-27
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. (IL)

Company did not remove these inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GFS II, LLC (MI)

My auto loan was financed though GATEWAY FINANCIAL out of XXXX, MI. My monthly payment was approximately $ XXXX/month. Around the summer of 2018 I unfortunately fell about a month behind on my car payment due to my employer eliminating my job. In the process of looking and interviewing for new jobs, I was making phone calls and leaving messages regarding my situation with XXXX at Gateway. No one from Gateway would return my calls. I then started emailing Gateway ( and XXXX ). And yet again, nobody from GATEWAY were willing to return my call or emails. This went on for about a month and a half. In XX/XX/2018 I sold my house. At that time I left messages and emails with XXXX explaining to him that I was going to be paying the car off once I closed on my residence but GATEWAY still repossessed my vehicle. In the mean time I left several phone messages with gateway explaining to them, that due to the fact that nobody wanted to return my calls or emails I was voluntarily allowing the vehicle to be repossessed. Later I received a letter stating they were going to take my vehicle to the auction for sale. This letter was received around 6 days before the vehicle was scheduled to be taken to auction. As I understand it, under state law I am allowed more time than 6 days to pay the vehicle off or rectify th problem. This did not happen ... .the vehicle went to auction and was sold for less then what was owed. This is when GATEWAY FINANCIAL started harassing me for the remaining amount of money owed on the vehicle. The amount they were asking for was more then the original amount owed. I made every effort to try and reconcile the situation but again, nobody would return my emails or phone messages. Now GATEWAY FINANCIAL is threatening to take my state of michigan income tax return for the outstanding amount owed?. I have disputed this with the 3 major credit reporting bureaus as well. And now when the covid -19 situation, things have not gotten any better. Please help. Thank You.
Consumer complaint received 2024-09-08
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. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-08-27
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. (PA)

Dear CFPB, Ive disputed this item with the credit reporting agency, and theyve claimed you confirmed the account as valid. Let me be clear : I have no recollection of any relationship with this collection agency or the original creditor. The account has numerous inaccuracies, blatantly violating FCRA and FDCPA laws. 

To sort this out, Im demanding concrete proof of this debt. Specifically, you must provide the alleged contract or any document with my signature, along with proof of your authority to handle this matter. If you cant provide this proof, you must fix any erroneous reports linking this debt to me immediately. 
I require the following information without delay : Proof of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Your legal authority for collecting this information. 
Your legal authority for collecting this alleged debt. 
Proof of your authorization to do business or operate in this state. 
Proof of the alleged debt, including any document with my signature. 
A full account history, including all charges added for collection activity. 
Respond immediately. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score.

Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each indvidual whom you verified and validated the above information with, so that I may follow up accordingly. 

Additionally, please send me an updated copy of my credit report after completing your investigation Account Name : XXXX XXXX  Account # : XXXX
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (FL)

Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX XXXX, & XXXXXXXX XXXX