davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These accounts are inaccurate and reporting wrong. Us code 1681 ( b ) and us code 1681 ( I ). Wrong incorrect information on my credit file is wrong and I would like for these account to be deleted and removed immediately. XXXXXXXX XXXX XXXX XXXXXXXX {$500.00} last report date XX/XX/XXXXXXXX first XXXX XXXX XXXX XXXX  {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} {$1400.00} last report date XX/XX/XXXXXXXX
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I opened a checking account through US BANK I didnt have the account that long and the account ended up closing but I ended up making the payment to the account and im.still.not able to open an account anywhere. When I went to pay the bank.account off the teller at the window said that it should have posted that i.paid it.. All I'm trying to do is not have to have greendot cards anymore so I would like to know what the. Next step to be able to get this fixed so I can open an actual checking account
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the repetitive XXXX late payment notations on my account ( # XXXX ), which are currently being reported on my credit file. I respectfully request that you provide validation for each of these late payment reports, including detailed documentation proving that each reported late payment occurred and was accurately noted on my account. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and verifiable information. I believe these repeated reports may contain inaccuracies or discrepancies, which could result in an unjust negative impact on my credit score. If these late payments are found to be inaccurately reported, I am requesting immediate removal of any erroneous entries from my account history.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-11-12
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. (FL)

Please take a moment to review my complaint. I received a report from XXXX XXXX reference to my credit score this past week which showed a severe plunge on my credit score.. Transunion reflected a drop of ( 30 points ) from XXXX to XXXX  and XXXX reflected a dorp of ( 13 points ) from XXXX  to XXXX. This is totally unacceptable!!!! The credit bureau agencies reported that it was due to a XXXX credit card which ends in XXXX, that allegedly dropped the limits from {$300000.00} to {$30000.00}, so it negatively showed higher utilization which in fact is erroneous. My credit limit for this XXXX  credit card ending in XXXX, has been at {$30000.00} for over a year or even longer.. I truly don't understand how all of a sudden, there is such a drastic and significant drop in credit score considering that nothing has changed not even my credit limit or utilization, etc.. My score has always been very high. As you can see, I take pride in how I've always paid and handled my credit, therefore, I ask that you please assist me in resolving this issue with all three credit bureau companies,, Transunion, XXXX and XXXX, so that my credit score can be restored back to how it always was. Upon review of my complaint, I ask that you please contact me at your earliest convenience. 
My name is XXXX XXXX XXXX, my phone number XXXX and my email address is XXXX. 
Thank you so much, I remain.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 - XX/XX/XXXX - {$6500.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$7800.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00}
Consumer complaint received 2024-11-16
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. (MS)

Recently checking my credit report I noticed that I've been a victim of identify theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these Fraudulent inquiries from my credit report. I have also attached my identity theft report as well.
Consumer complaint received 2018-11-12
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: JPMORGAN CHASE & CO. (GA)

Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through XXXX XXXX XXXX XXXX. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to XXXX XXXX XXXX XXXX after the open date of XX/XX/2018
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (AZ)

Amcol is collecting on a debt for a hospital but is claiming {$4100.00} is owed but the bill from the hospital is for {$2000.00}. It is over a {$2000.00} difference and even with the bill showing the balance, Amcol is still trying to collect the wrong amount. Debtor tried to pay the hospital but it can't accept payment and Amcol refuses to return calls, or investigate the matter. Debtor hired an attorney to resolve the issue, but Amcol refuses to reduce the bill to the correct amount, return phone calls or respond to any correspondence. This is illegal, they can't do this and they are reporting the account on the credit report in error.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXt XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (TN)

I have gotten paid from XXXX and had direct deposit set up with my XXXX XXXX NetSpend card. I have had no money from my paycheck loaded to this card for my pay date. I show on the XXXX application that XXXX has released the funds but NetSpend is saying they do not have the funds. I have not gotten my pay and can not get a resolution from NetSpend. The amount is {$900.00} as well as a payment from SSI in the amount of {$1400.00}.
Consumer complaint received 2018-11-12
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 (CA)

I received a bill. Paid it on XX/XX/2018. Mailed it on XX/XX/2918. Posted on my bank statement on XX/XX/2018. Received next bill in XX/XX/XXXX. On that statement, I was charged for the same amount again + a {$2.00} interest charge. I paid the total charges for both months, because I did not want my credit to be ruined. Paid total charge on XX/XX/2018. I gave the company a few days, to see what would happen. Called the company 's consumer number about the disputed billing. Was told that complaint dept. was not available. Called on XX/XX/2018, talked to complaint person XXXX. Would not listen, said that the fees + charges would stay. Asking for Help on XX/XX/2018. I do not want my excellent credit score to be tarnished.

I cancelled my card at XXXX XXXX on XX/XX/2018. Total amount in dispute is {$12.00} + {$2.00} in interest charge.
Consumer complaint received 2018-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX an agreement Chase and the Defendant was reached for trial modification. The trial was for three months and payments were made. The defendant paid the trial modification payments until XX/XX/XXXX when the modification was to to begin. Once the modification begun the defendant made payments as scheduled. A letter was received from plaintiff in XX/XX/XXXX letting the Defendant know that the sign documentation for modification was never received and modification was being cancelled. The Defendant let the Plaintiff know that the modification was still needed and the Defendant did not want the modification cancelled. 
The modification was being paid at that time so the Defendant mailed a new copy of the modification out the Plaintiff. The Defendant at that time was told by the Plaintiff to stop making payments because they would not be accepted anymore because my the loan was being defaulted. 

The Defendant tried to work with the Plaintiff to get the modification reinstalled but the Plaintiff would not do so. The Defendant tried to go through all options that the Plaintiff had but was told that Defendant could not be offered modification. 

The Defendant has currently has been saving every modification payment since XX/XX/XXXX in the sum of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  dollars ). The Defendant is looking for the opportunity to continue the modification that was created previously.
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (GA)

All of this started when I enrolled in college so that I can have a career that involves me helping others, especially children. I was not working during school and got divorced while in school. Financially dependent on my ex-husband, I was unable to pay my own bills for years and was constantly falling behind. I graduated in XXXX, yet it took a year for someone to hire me. I became a XXXX at XXXX XXXX XXXX in XX/XX/XXXX, and I made the decision to get my financial freedom back. I was aware that it would take time, and I was working slowly but surely to get there. Then, in XXXX, my car broke down. 
My car broke down on my way to work in a different county from where I live, and one of my bosses came and picked up my son and I from the side of the road. My motor had locked up because I had an oil leak. To get a reliable car, I had to give {$2000.00} as a down payment, which was the cause of me not paying my mortgage at that time. I had to decide to either pay my mortgage and lose my new XXXX job due to no transportation, which would cause me to still lose my house or purchase a more reliable car and pay mt mortgage with my next paycheck. Therefore, I attempted to resolve my past due account by increasing payment amounts ( and making additional payments as well ). However, when I made a payment of {$1000.00} on XX/XX/XXXX and an additional payment of {$250.00} on XX/XX/XXXX, my payments were refused by the mortgage company, and I received letters weeks later from XXXX XXXX informing me to come pick up the payments I had made. At that time, I had not received any letters from M & T stating that my home was in foreclosure, and I was told about the foreclosure by the representative when I called the company to inquire about why my payments were refused.The letter from the mortgage company reached me after all of this took place. At that time, I was behind no more than {$3000.00} and could have caught up my mortgage had the company not refused payments. My purchase price was {$90000.00}, and I owe less than {$60000.00} on my home, which is worth way more than {$60000.00}, and it would benefit the mortgage company more to foreclose and resell than allow me to catch up payments on a home I have lived in and maintained since XXXX. 
The company sent an application for me to fill out for a workout plan, which put a hold on the foreclosure until a decision could be made, but they turned me down, and I received that letter on the XXXX although the date of the letter is the XXXX. I was given until the XXXX to file an appeal, which I did and mailed it out today through priority mail. I really do not understand why the mortgage company is unwilling to work with me when they know my history because I have had to explain it in requested letters, and I have sent in every document they have asked me to send in and showed every ounce of desire to do what it takes to keep my home. I have been here 15 years. My children grew up here, and honestly, I would like to remain here until my death.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NJ)

Back in  XXXX  I attended a school called  XXXX    XXXX    XXXX  in  XXXX , nj. The school has since been closed down. I 've never received my certificate of completion because the school was so in a disarray that they could n't even keep a steady teacher for the classes. The curriculum was barely taught and needless to say I never got the chance to complete. I 've tried to explain this to edfinancial but I 've had no luck because the school officially closed in  XXXX .  XXXX  is when I had to take a different route in life and join the  XXXX   XXXX . I 'm still stuck with  XXXX  loans from this school.  XXXX  for {$5000.00} and another for {$8000.00}. The ideal wish is to get both of these removed from my debt.
Consumer complaint received 2019-01-28
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: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX treadmill from XXXX XXXX. The charges included delivery and assembly. I financed the transaction with TD Bank, XXXX XXXX XXXX. 

The assemblers destroyed the treadmill. It is non-working with broken pieces and loose pieces, which I found in various areas of the room after the assemblers left. I reported the issue to XXXX XXXX returns department. They said they would have it picked up but I have heard nothing since. When I call back to check the status of pick up, they can't give me an ETA and tell me to keep waiting. The average hold time to reach the merchant is 2 hours, so it is very difficult to call everyday. I have however spoken to them 4 times in XXXX. 

In the meantime, I received a statement from TD Bank, XXXX XXXX XXXX with a payment due. I tried to make a dispute for these charges since the merchandise is broken, damaged and non-working. The phone number to make a dispute refers me to a website. The website does not have an option to dispute. I called customer service for this credit account, who advised me that I must make payments. 

The merchandise is damaged. The merchant will not pick it up. The merchant will not communicate on a pick up date and TD Bank/ XXXX XXXX XXXX says I must make payments on this non-working, damaged item.
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. (NE)

On XX/XX/XXXX I signed an agreement with XXXX bring my account current. XXXX refused to allow me to participate in the programs offered due to loss of employment during XXXX. XXXX offered the option to Defers payment for XXXX customers up to XXXX  days during. I was not offered this option by the representatives in customer service. 

On XX/XX/XXXX I sent an email To XXXX XXXX XXXX of XXXX XXXX. And intern I was contacted by XXXX in XXXX customer relations whom issued an agreement. This is the agreement that I signed on XX/XX/XXXX. 

The XXXX financial account shows as charged off. I have not received a letter or XXXX indicating the account is charged off so it does not count against my XXXX XXXX.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX a credit card for the amount of {$3000.00}, on XXXX a car loan for the amount of {$30000.00} and on XXXX another car loan for the amount of {$98000.00} was opened in my name without my knowledge or consent. I have reached out to all consumers and all 3 credit bureau insisting that they handle these fraudulent accounts respectfully. I have mailed all parties all the documents including police reports and FTC reports to hep wit this matter. XXXX and XXXX has since received all documents and removed these fraudulent accounts respectfully. TransUnion responded back to me claiming that the consumers verified these fraudulent accounts which is a violation of my right under federal law 15USC1692c ( c ) I also spoke with a supervisor at TransUnion Special Handling Department by the name of XXXX XXXX which he responded that I need to contact consumer again and there was nothing he can do after who explained to me that all my paperwork was valid including police report. so I totally feel like I am being Biased towards me because I informed him that my rights was being violated and I was gon na file a complaint which made him claim that he was gon na put the dispute back in.. he refused to handle this matter professionally and I would like for someone to take over this matter respectfully.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never had a chargeoff account with 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 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account # ( XXXX )
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.

BankruptcyXX/XX/XXXX 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
BankruptcyXX/XX/XXXX Case Number : XXXX Please remove it from my credit repor