davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (NY)

In XXXX. XXXX i closed XXXX account and paid final balance in full. i got notification in XXXX that i was in collections from credit bureau. I disputed with XXXX and XXXX requesting proof but did not receive any proof. I have no knowledge of this specific company XXXX collection services. This is harming me my credit and consumer rights and I requested it being removed for the lack of proof i requested over a month ago
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANCO POPULAR DE PUERTO RICO (PR)

Please, refer to letter attached. The document attached is requesting the local regulatory institution OCIF ( XXXX XXXX XXXX XXXX XXXX XXXX ) support. In the same way, I am requesting support to CFPB.
Consumer complaint received 2024-01-03
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. (TX)

Prior to moving to into my new home I was at a grocery store in XXXX Indiana where I lost my wallet that contained my drivers licese social security card and other identifying information and someone found it and used my information to open up several fraudulent accounts such as auto loans, motrgage accounts, credit card accounts, personal loans, and more. I would like for this informaiton to be removed from my credit report as soon as possible. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 

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 an 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 2024-01-11
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I am seeking a balance check in order to dispute a transaction in the amount of {$20.00} made on XX/XX/2024. The company provides a website vanillagift.com and a page to check the balance. However when checking the balance an error is shown " A system error has occurred. Please try again later ''. This occured on Thursday XX/XX/2024. When calling the customer support number, an automated robot asks me to enter the two numbers spoken as a security challenge in order to continue the call. The numbers are XXXX XXXX. When I enter the numbers, the robot says that the entry is incorrect and abruptly terminates the call.
Consumer complaint received 2024-05-08
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO Bank, N.A. (NY)

There is in excess of 10 inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within 24 hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within 24 hours without proper investigation that they are valid. The false inquiries are as follows : 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 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (NC)

Opened Checking account with Regions Bank XX/XX/XXXX. Had recieved an incentive if opened new account and kept {$1000.00} balance for a certian time I would recieve a {$400.00} bonus/ incentive. I have a mortgage account with Regions all has gone well with that account. The checking accout was opened with the help on a phone call, due to glitches in the Regions system. There should be a recording of this. Also to ensure the {$400.00} incentive would be applied. 
I have followed up with Regions several times, told to be patient and look for the deposit of {$400.00} and the end of XXXX. I called again, now being told the " online " banking for my account did not show being activated, was told on a phone conversation with customer service, this prevented the " auto tracker '' to track my account and make the deposit of the {$400.00} incentive. I was on the phone a length of time with Regions setting up the account and setting up the online banking due to the fact by the branch here in XXXX to initially set up the account and was told they were too busy and could not set up an appt. on that day being XX/XX/XXXX. 
I petition to recieve the {$400.00} incentive to the account as soon as possible.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NV)

I'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX i checked my credit on identyiq i seen incorrect information on account i disputed this XX/XX/XXXX certified mail i don't know what they are doing maybe still looking or stalling i need you guys help to investigate also my credit has been giving alerts that my information is being used on the dark web so i went to XXXX breach to see if my information has been breach it claimed my info is breached i really need you guys help in this situation.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, Chase closed my bank account and stated that the remaining balance would be returned to me in the form of a check. However, it has been over six months, and Chase still hasn't returned my money. When I called, Chase only said that they are still investigating. And all my remaining balance is XXXX.
Consumer complaint received 2024-02-12
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. (VA)

I am writing to dispute unauthorized and inaccurate inquiries on my credit report. I will appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute.
Consumer complaint received 2024-05-08
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. (CA)

I was in XXXX and I lost my wallet with all my information inside XX/XX/2024. I sent over XXXX FTC Reports XXXX XXXX, XXXX and transunion. XXXX time in XXXX of XXXX & another time in XX/XX/2024. I recently just got into my XXXX this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-08
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)

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (TN)

I had a loan with Mariner that unfortunately fell delinquent. I logged into my online account on XX/XX/XXXX, which showed active, and made a payment of {$100.00}. This information was not provided or updated with the credit bureau. I was then served a court summons a few days later being sued by Mariner, I found out Mariner had not reported the payment to their attorney either. The attorney also informed me Mariner was not supposed to take my payment and my account should be showing closed, apparently it was closed in XXXX but showed open through XXXX? I noticed my loan balance on my online account showed {$6500.00} but credit and their attorney show almost XXXX? So was the judgement issued for the right amount in court? Why does my account still show open? How was my payment applied to the balance because I paid the attorney {$320.00} on XX/XX/XXXX because they said mariner required a payment and a half but credit report only shows I paid {$200.00}? Also, credit report balance still shows higher, after mariner changed it initially when I disputed it advising it was the wrong amount. I feel they are reporting incorrect amounts, wrong account status, filing judgement on open accounts. Are they keeping the account in open status to charge more interest and not take a hit to portfolio so delinquency on the front end stays low?
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a wage garnishment notice from my employer on XX/XX/XXXX stating that the debt would be for an amount owed of {$5300.00} and the amount was due to be paid to Portfolio Recovery. I revised the garnishment forms, and they do not list the debt that is being collected, and the debt being pursued is from XXXX. My credit does not reflect any debts for the presumed amount, and I currently do not have anything in collections.
Consumer complaint received 2024-05-03
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)

in accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C. 1681 SENTION 604 A SECTION 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

I have been called and send letters that I missed my XXXX XXXX XXXX house payment. Yet they cash the check on XXXX XXXX and on XXXX plus called I have been treated very rude and nothing is being done to resolve my issue. I have faxed them the cancelled check and they still demand another check. The entire staff I have talked to XXXX and they will not listen and hang up or put me on 30 or more minutes hold. They are not trying to resolve my issue and I have paid and they are threathen me with bad credit and late payments even while they have process my check.