davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

Enhanced recovery company LLC sent me a mail regarding a debt that I owe from XXXX. I mailed a letter back ( USPS confirmation delivery : XXXX. ) Requesting information about their business, a copy of the last bill, their license, etc. They have not responded back to me. They have reported this debt to the credit bureaus. Nobody is giving me information yet they are expecting me to pay without being informed or them identifying themselves. For all that I know it can be a scam! I am still a XXXX customer and I still have the same phone number. It is astonishing that enhanced recovery company was able to reach me at the same address yet t mobile was n't even able to reach me or call me to explain the situation. XXXX effort to contact me was none at all. How am I suppose to pay a bill if I do not see the bill? 
Note : I have already phone in to make a claim. Please attach this to existing claim. case # XXXX and # XXXX. 
Note : Please see attached supporting document. It is dated!!
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation- I do not agree with any late fees but paid account off as conns said they would be removed
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (IL)

paid off my vehicle XXXX/XXXX/XXXX to M & T Bank and I still am unable to obtain my car title from the state of XXXX. When I purchased this vehicle, I resided in XXXX XXXX but moved to XXXX in XXXX of XXXX. 

When I paid my loan in full, I did not receive my title. I did provide a change of address when I moved to XXXX. I called M & T and was only provided with a lien release letter but no title. M & T stated I needed to obtain the title myself. 

In XXXX XXXX, I received a notice from the XXXX stating that there is an error with my title work. I contacted them via email and they advised me of the following ( see attached email from XXXX XXXX XXXX : It appears as though you brought the vehicle in from the state of XXXX and applied for registration and title, but had a lien holder on your vehicle. We produced your registration and then sent a letter to your lien holder asking for the title but they never responded. 

If you are still making payments on the vehicle and your lien holder is still in possession of the title, please contact them and ask them to either send the title to us, or provide us with a better mailing address so that we can send them a XXXX request for your title. 

If you 've completed your contract for the vehicle and are now in possession of the out of state title, then please send us your out of state title with either the loan stamped paid on the face of the title or the title along with a letter of lien release that includes:1. ) The company 's letterhead2. ) The vehicle identification number3. ) Names of all owners4. ) Signature of an authorized representative of the company. 

What we will need to process your transaction is:1. ) The original out of state title. 
2. ) A current odometer reading for your vehicle if the model year is XXXX or newer. 
3. ) A statement with your current address. 

In addition, they stated the following ( see attached ) : Now that you 're an XXXX resident you 're going to need to get your XXXX title produced. If you have paid off the vehicle but do not have the out of state title then you 'll have to apply for a duplicate out of state title. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is showing that the last state to issue title was XXXX. You 'll need to contact the XXXX XXXX about obtaining a duplicate title from their state and then surrender that title to us to produce your Illinois title. When you apply for their title, use the lien release that your lending institution sent but keep a copy because we 'll need one as well because your lien was recorded in both states.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I had a credit card with XXXX. I was charged on my account with a charge for a service which I did not receive. I objected to the charge, but XXXX XXXX investigated and refused to remove it. This was for a service I did not receive and refused to pay the charge. I closed the account, but XXXX XXXX continued to add interest and late charges and the total bill increased to {$550.00}. This was never a legitimate charge. 
I went to the hospital with a XXXX. I was misdiagnosed in the hospital, got XXXX for nine weeks as a result until later finding medical help. I called the hospital and refused to pay my share of the hospital bill because I was misdiagnosed. The hospital refused to give me credit and subsequently submitted my bill for collection and it wound up on my credit report. This is not a legitimate charge which I had the right to refuse to pay and it should not be on my credit report.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CT)

We had an insurance check for work to be done in our bedroom that was made out to us and our mortgage company Fay servicing. We received the XXXX disbursement and were told when we were XXXX done with the work that they would send an inspector out. After the inspector came out the next XXXX would be disbursed. We called 8 days ok and no one has called us to set up the XXXX inspection. After calling Fay servicing over XXXX times and email contact we have no resolution on when they will conduct the inspection. We have had our entire bedroom crammed into our living room for over three months. The lack of response from Fay servicing and timely assistance has been unprofessional.
Consumer complaint received 2024-09-06
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2024-09-06
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)

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

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 I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 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 2016-01-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Paypal Holdings, Inc (CA)

PayPal signed me up for a {$5000.00} credit line as I was simply trying to check out and pay directly. I attempted to call and have the credit card reversed and pay with my existing credit card from another bank. PayPal mentioned I could payoff the line and close it, then file a complaint, but they could not remove the opening and closing of my line off of my credit report. Now, this is listed and causes a downgrade on my credit reporting score. The fields I out to close and pay for services are deceptively placed so by the timeline pays for a service, they do n't realize they have just signed up for a credit card.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (NC)

This bank issued me a credit card, to be specific the " apple rewards '' card which is ok but i did n't really realize all i could get back is XXXX rewards. I do n't care for XXXX that much. When i tried to apply for an additional card with this company they told me " well we want to see if you are going to pay the bill on this card etc etc '' that seems a bit discriminatory to me seeing as how they could see my credit report and the fact that everything i have is paid, not late, nowhere near the credit limit and i have been responsible with this one the little bit of time i have had it. A card that gets me cash back i can use for paying the bill or while shopping would better suit me so if anything i would want to open a different account and role the available credit i have from this card onto another card with a higher limit. I do n't mind keeping this card but i think i am deserving of a different card as well with a better limit. XXXX gave me a XXXX limit and i have been just fine with it and very responsible. I plan to purchase my first house in 2 years so i am not messing up my credit. Its nice to have so many cards but i would rather just have XXXX or XXXX with large limits instead of all these XXXX-XXXX limits here and there
Consumer complaint received 2016-01-02
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AES/PHEAA (FL)

I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency XXXX XXXX XXXX XXXX XXXX contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (NV)

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.

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 2016-01-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony bank constantly closes accounts without first checking with the account holder. My rooms to go card has been cancelled twice since XXXX without even a call to me to see what if anything was wrong. Then when you choose in they have bankers hours as if fraud only occurs during those times. So now i ca n't even get this straightened out because the people are " off ''
Consumer complaint received 2024-09-07
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. (PA)

Im extremely disheartened to find unauthorized inquiries on my credit report today, with no apparent reason for them being there. Refreshing the browser didnt help, and its clear this isnt a simple glitch. I sincerely ask that the documents Ive provided be reviewed carefully, so I can finally have peace of mind and put this behind me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In the attachment you will see that the " date opened '' dates on this account [ XXXX ] with XXXX XXXX, as well as the " date last active '', show discrepancies. These inaccuracies are causing a negative effect to my credit report.
Consumer complaint received 2016-01-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (LA)

On XXXX/XXXX/XXXX I was injured and could n't work and fell behind on my Chase mortgage. During the whole time that I could n't work I maintained contact with Chase and they told me that they were going to work with me. On Monday XX/XX/XXXX I went back to work and I contacted Chase to inform them that I would be making a payment. On Thursday XX/XX/XXXX I received foreclosure papers and when I called Chase they told me that they will not accept any payments and that they would send any payments back. I owed them XXXX that I could have easily paid them. So I hired a mortgage legal group to stop the foreclosure process and help modify my loan and they was able to stop the foreclosure but Chase would n't work out anything with me .So Chase sent more foreclosure papers out and I had to hire another mortgage group to stop the foreclosure and try and get approved for a modification or a repayment plan. Chase turned me down again and just gave me the run around when I asked for an explanation for being denied. I spent XXXX or more with XXXX home mortgage companies trying to save my house when chase could have just accepted my payments. In the meanwhile my mortgage is getting farther behind and I could n't go get a loan to catch my mortgage up because its showing up on my credit for being late so I had to file for bankruptcy to stop Chase for foreclosing on me again and during bankruptcy they still would n't modify my loan or offer me a repayment plan. During this time I have continued to pay my house payment along with {$200.00} to {$400.00} extra per month. When I realized that my back payment was not decreasing I contacted Chase and was told that they were holding the extra money because they could n't apply it until they received a full payment. In the mean time my note is increasing further and further behind. Each time I contacted Chase they would tell me to re apply and to appeal my modification. Each time I was denied for different reasons. The only thing that they offered me is a short sale for my home. I am so stressed and tired of dealing with Chase that I 'm going to put my home up for short sale.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. The consumer reporting agencies have to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your, understanding and prompt action
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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 1002 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 8
Consumer complaint received 2024-09-06
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. (AL)

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.

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 2024-09-06
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)

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. 

1. XXXX - XXXX 2. XXXX XXXX - XXXX 3. XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX  XXXX - XXXX 6. XXXX - XXXX 1. XXXX  XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX  XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 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 appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This morning, I was stunned to discover that inaccurate accounts appeared on my credit report, and I dont understand why. I check my report regularly, but this time there were unexplainable discrepancies. I even refreshed the page, thinking it might be a browser issue, but nothing changed. Im requesting that the documents Ive sent be thoroughly reviewed so I can have peace of mind and avoid this stress in the future.