davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with XXXX - XXXX 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 me 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 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. 


XXXX - XXXX 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
Consumer complaint received 2024-06-20
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-12-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC. (WI)

I've never taken a loan out with Cashnetusa and its on my report that it's in collections. how can something I never took out with a company be sent to collections? I believe this is a scam and want something done about it please please email me back asap
Consumer complaint received 2024-06-20
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. (NC)

I have provided all necessary information and expect the listed accounts to be deleted and blocked within four business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESBANCO BANK, INC. (MD)

We closed on our construction to perm loan on XXXX XXXX XXXX with Wesbanco Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Office : XXXX Fax : XXXX. Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX reached out to inform us that she was putting our package together to send off for our building permit and she reviewed our draw schedule numbers against the estimate numbers we signed off on in XX/XX/XXXX and noticed a $ XXXX discrepancy. In several attempts to work with Wesbanco to determine where the discrepancy lies to no avail. After multiple conversations and email exchanges with our builder rep, real estate agent, and the real estate contracts XXXX all analyzed the information and documents only to come back to Wesbanco needing to verify some information ( see attached ) which they have not been able to do to date. Below are the questions we have been asking Wesbanco for weeks now and they have not been able to verify or deny : XXXX. The lot contract was for XXXX XXXX XXXX for {$140000.00} ( your attached appraisal says the purchase price was {$150000.00} ) do they have something showing how you got the purchase price information? 

XXXX. The construction contract between ourselves and XXXX was originally for a property on XXXX XXXX with a price of {$800000.00} ( this is the same amount as the XXXX XXXX mentioned in your " Contract '' information on this appraisal ). Does WesBanco know how it was missed that the property reference was wrong for the construction contract vs. the property they were appraising? 

XXXX. The construction XXXX had an addendum that happened after we went under contract for XXXX XXXX XXXX ( but before the appraisal date ) that updated the construction contract property reference AND updated the options. There was an additional cost of {$23000.00} with the XXXX XXXX contract. We need to verify if it is correct to assume the appraiser didn't have this list of upgrades/features when doing the appraisal. And, if not do our upgrade features affect the appraised value? 

In addition, we have asked verbally and in writing for a copy of our full consumer file from WesBanco and Wesbanco has not provided the file documents to date.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history with 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 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 my account 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 XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing has preventing me from refinancing my mortgage since XX/XX/2019. Theyve continued coming up with excuses and fees for why they arent able to assign the mortgage to the new lender.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-19
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. (TX)

I understand your frustration with the fraudulent inquiries appearing on your consumer report, which are not associated with you in any way. As a victim of XXXX XXXXt, this issue has caused you significant mental and financial distress, hindering your ability to achieve important financial goals like purchasing a home and providing for your family 's needs. 

I want to assure you that I take this matter very seriously. Having inaccurate and fraudulent items on one 's consumer report can have far-reaching consequences, and it is unacceptable that this situation has substantially impacted your financial well-being. 

Thank you for providing a copy of the letter you previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution. I appreciate you following the proper procedures and making multiple attempts to resolve this matter.
Consumer complaint received 2024-06-20
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-20
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. (WA)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-06-19
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. (CT)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/year> I received the following email from Chase XXXX XXXX regarding my card ending in XXXX : " From : Chase XXXX Subject : We're processing your replacement card request. 
Date : XX/XX/year> at XXXX XXXX To : XXXX Chase Logo Dear XXXX XXXX XXXX We received your request to replace your Chase credit card ending in XXXX on XX/XX/year>. 

Here 's what you can expect next : A replacement card will come in a plain envelope within the next few days. 
You can verify that you received your new card by visiting our site or by calling the number on the back of your card. 
You can use your existing card until your new one arrives. Please destroy your old card once you've got your new one. 
Your new card may have a different expiration date and CVV number ( the number on the back of the card ). 
Your mobile payments won't be affected. You can continue spending even as you wait for your card to arrive. 

If you didn't make this request : Call us right away at the number on the back of your card. If you don't have a card with you, visit our customer service page to find the best phone number to contact us. 

Thank you for choosing Chase. 

Chase logo Dont have the Chase Mobile app? 
App XXXX XXXX XXXX play button The Chase Mobile app is available for select mobile devices. 

XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX. 

Chase, Chase XXXX, and the Chase XXXX are trademarks of JPMorgan Chase Bank , N.A . 

XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the XXXX and other countries. XXXX XXXX is a service mark of XXXX XXXX. 


ABOUT THIS MESSAGE This service email gives you updates and information about your Chase relationship. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to chase.com to send a message from your XXXX XXXX XXXX. 

If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us. 

Your privacy is important to us. See our online XXXX XXXX to learn how to protect your information. 

JPMorgan Chase & Co. '' I immediately called the XXXX XXXX number on the back of your card on the same day because I did not make this request. 

XXXX XXXX took my call. I asked XXXX XXXX for his ID and he replied, " We do not disclose our ID numbers. '' I told XXXX XXXX that I did not request to replace my Chase credit card ending in XXXX on XX/XX/year>. 

I then asked XXXX XXXX how did JP Morgan Chase receive this request them claim was from me? XXXX XXXX did not know and asked me to hold while he further investigates. 

XXXX XXXX returned to the call as said the card got replaced automatically. No one requested it to be replaced. 

Today, XX/XX/year> I receive the new card but it's the exact same card - same number, expiration date and security code.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted PayPal CREDIT aka Synchrony Bank to get a credit balance refund of {$17.00} mailed to my home address and close my cc account. The only way to get in touch with anyone at either of these companies is via " Live Chat '' on my phone so I got in touch with customer service representative XXXX XXXX who asked why I wanted to close my PayPal CREDIT/Synchrony Bank CC account and I said its because PayPal/Synchrony Bank flatly refused to lower my CC interest rate when I was struggling financially. He told me he would help me and asked what my mailing address was so " they could send me a check '' for the credit balance refund. I texted him my mailing address and he did not respond. After a few minutes I asked if he was still there and the app kicked me out. I was able to get back in and the app said I needed to contact Synchrony Bank. This is a bait and switch and these financial companies do this on purpose to make it difficult for consumers to close their accounts so the financial companies can continue to charge usurious interest against Americans many of whom are struggling financially to pay their household bills. I demand that PayPal CREDIT/Synchrony Bank ( or whoever they call themselves now ) mail me the credit balance of {$17.00} and close my credit card account immediately. In addition, they need to make sure my account shows as closed " Upon consumer 's request '' or something similar on my credit reports. This/these companies should not be allowed to continue to do business in the state of Arizona until they figure out how to communicate and help their customers that they are charging exorbitant rates and fees to.
Consumer complaint received 2019-01-22
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. (GA)

I am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am XXXX XXXX XXXX, my credit card company ( XXXX XXXX XXXX ) was purchashed buy a new company ( XXXX ). After the purchase my account was closed due to my credit score and my interest rate raised by the new company. I never entered into an agreement with the new company under their terms. 
Increasing Interest Rates Without Proper Notice : If the credit card company increases interest rates without providing proper notice as outlined in the agreement, it may constitute a breach. 
Improper Account Handling : If the credit card company incorrectly reports your payment history to credit bureaus, fails to post your payments correctly, or charges you incorrect fees, these could be considered breaches of the agreement. 
Misrepresentation : If a credit card company provides false or misleading information, such as promising certain benefits or terms that are not delivered, it could be considered a breach.
Consumer complaint received 2024-06-19
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)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted previous complaint. Transunion did not fix the issue. 

XXXX accounts, that were included in Bankruptcy are reporting as opened on credit report. 
These accounts were discharged in Bankruptcy, as such, they should be reported closed. 


XXXX XXXX & XXXX XXXX are showing as " OPEN '', which is not correct Transunion violates 15 U.S. Code 1681c, Texas Finance Code Sec 391.001-.002 , Texas Business and Commerce Code , Chapter 20 , Sec. 20.05, The Federal Debt Collection Practices Act, and The Texas Debt Collection Act. Violations of these statutes carry both civil and criminal penalties.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.