davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$230.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I took out an auto loan with XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

To whom it may concern : I have spoken with XXXX and the information that's showing up on my credit report is inaccurate. The customer service Rep. by the name of Ms. XXXX XXXX informed me that there were no Bankruptcy 's showing up on my file. So please have all three credit bureaus to remove this inaccurate information from my credit file this is indeed a violation of the ( FCRA ).
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc (FL)

I owed a medical bill, I went online to Focus Financial Services to make the payment. I got a confirmation number on XX/XX/XXXX stating that I paid in full the debt owed. Then I check my bank account a few days later and I see Focus Financial Services took out another payment in the same amount taken out on XX/XX/XXXX. My wife called and spoke with a representive named XXXX he threatened her about her accounts and said nothing can be done even though she called regarding a payment made on my account. So she told him we will just stop the payments and report them for trying to collect a debt that was already paid for in full. He then told me that his supervisor would get back to me or her but he didn't. She called again and spoke with XXXX, he stated that since its an overpayment their supervisor XXXX XXXX would just have to okay it and the money should be refunded. She thanked him and then I had to call to confirm that they were the ones that made the mistake. I got in touch with the supervisor XXXX XXXX who lied to me and told me that he sees a payment made on XX/XX/XXXX. I proved he lied because our chase bank statement showed they took it out on XX/XX/XXXX. The story they were giving us was not adding up. I called back to get clarification from his statement and he still repeated the same thing and then tried to say that we must have made a payment days later. I told him that we have proof that we confirmed the first payment on XX/XX/XXXX because we have a confirmation number however when I asked about the confirmation number for the " supposed '' second payment he couldn't provide it to me. He said he does not have access to the Online system yet his phone number is listed as the primary number to call if anyone has any problems and concerns. He refused to work with us and threaten us. We called our bank to put a stop payment since he said there is nothing he can do. Worse customer service. The manager XXXX XXXX was not helpful and was completely ignorant on how his own companies Online Services work.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXX XXXX  that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.
Consumer complaint received 2019-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

To whom it may concern, I purchased my property in XX/XX/XXXX. In XX/XX/XXXX, I reached out to my loan servicing company to have my PMI removed. According to the company, I needed to have one of their approved appraisers go to my home to have it appraised before  the PMI could be removed. 

They stated to me that the cost would be {$580.00} to have one of the approved appraisers come to my home. I paid the {$580.00}, the appraiser came, and my house was appraised appropriately. 

After I received the appraisal, my loan-to-value ( LTV ) was below 80 %. On the company 's website, it claims that my LTV must be 80 % or below to remove the PMI. However, I received letters and have called the company several times and they have stated that my LTV must be 75 % in order for the PMI to be removed. I did not receive any paperwork or any statement at all that stated that my LTV needed to be at 75 % in order to remove the PMI.

I have reached out several times to this company, been on hold for hours, and keep getting transferred, rerouted or told I will " get a call back ''. I have also requested a refund of my {$580.00} appraisal fee. However, I was told that since the appraisal was completed, I can not receive a refund for the cost of the appraisal.
Consumer complaint received 2019-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX, To Whom It May Concern, My credit report indicates a hard inquiry by " XXXX  ''. It is my understanding this is XXXX XXXX  and affilated companies. 

For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my TransUnion credit report.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX, am a victim of IDENTITY THEFT. Please remove charges on XXXX XXXX acc XXXX and XXXX new checking account in the amount of XXXX. Remove unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and all XXXX XXXX of XXXX, XXXX, and XXXX LOANS . Remove email XXXX, and XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as previous addresses. Remove XXXX XXXX XXXX previous employment and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as previous phone numbers. Immediately remove and permanently delete all above fraudulent and/or inaccurate data listed above from my report and respond in writing confirming deletions.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX. I have just received a 30 day late payment on my XXXX XXXX XXXX XXXX XXXX ( ending XXXX ). Ive had this card in good standing and great payment history since I opened it back in 2017. At the being of this year, my entire family had XXXX. My wife and I were off from work for 14 days and while we were XXXX ourselves back to health, we also were taken care of our kids who all got sick including our XXXX XXXX XXXX daughter. Once we went back to work, it was weeks before Short term XXXX paid us 60 % of what we would have made. I spent most of XXXX working overtime to recoup what we lost. We had the funds to make a payment, but somehow between my wife and I, our XXXX card got over looked. 

XXXX called or contact to inform us of our payment status. We called as soon as we saw the alert to our credit. Both of us assumed the other had taken care of the payment because we never received a letter or email or text or call saying that we were late, let alone close to 30 day lates. We have since paid off the card making our balance zero. And have ask the internal credit reporting department for help removing the late payment. They have tried to do so, but explain that without permission to change reporting from higher up in the company, they could only change report for XXXX errors. One man we spoke to was frustrated for us, he said if we actually did have XXXX we would have been able to get a 30 day skip payment. The last woman I spoke advised me that there was nothing that she could do. But suggested writing into her higher ups and explains our situation. 

Which I did, I was told that they would not remove the late payment. But then a week later the late payment we removed from all three major credit bureaus. And then two days ago, the late payment was re-added. I have attached a copy of my XXXX test results, a copy of my XXXX account history with this XXXX card XXXX A screen shot of the lat payment coming off of my report. And a copy of my phone records. Showing that the entire month of XXXX and XXXX we had no contact from XXXX that the account might be late. If you need anymore information please feel free to call XXXX or email my back at XXXX XXXX
Consumer complaint received 2022-03-30
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: EdFinancial Services (PA)

Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (FL)

Avant Credit Card has reported this account as Charged Off repeatedly since 2020. Per the FCRA, an account can only be charged once and reported once. Also, in XXXX of this year, Avant reported a late payment. A closed and Charged off account can not report a late payment, as the account is " dead ''. I attempted to resolve the issue with XXXX, but received a letter that the account would simply update as closed and the issue was resolved. I then sent an email to Avant, attempting to resolve the issue, but I did not receive a response. I have tried for 3 months to resolve. This has caused my home closing to be delayed twice.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

My XXXX credit score reported by Experian is over 100 points lower than the other two bureaus due to what they say is the " serious delinquency '' on my payment history. However the credit reports they keep sending me in response to my dispute show NO delinquencies whatsoEVER on any open or closed accounts. 

My score from Experian dropped over 100 points back in XXXX, and my online account with them says it was due to serious delinquencies on one of my nine accounts. All factors contributing to the score are reported as Exceptional except Payment History. I've been told by phone in XXXX and by letter in XXXX that I can not dispute my score, only my report information. I was also told " the system would reset. '' I believe the error occurred when I suffered a total loss accident ( not my fault XXXX in XXXX on my leased vehicle. The creditor sent me a letter stating I need not continue making lease payments as my insurance company was handling the payoff. When the unpaid lease balance showed on my credit report I disputed the amount and uploaded the letter. Experians dispute center updated my report to show paid ; closed ; never late in XXXX. The two unnecessary payments were reported as ND -- '' no data. '' It is now XXXX. My Experian XXXX score is still over 100 points lower than those reported by the other two credit bureaus, all of which show exactly the same nine accounts. I do not want an inaccurate score to impact my upcoming insurance premiums. 
While this is all minor compared to so many, it's about trust. If this is happening to me, what about others?
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and informaation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chexsystems and XXXX ( XXXX ) are in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I the consumer have never given explicit written consent for XXXX ( XXXX ) to " communicate '' or chexsystems to furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. 

I demand Chexsystems and XXXX ( XXXX ) cease and desist pursuant to federal law 15 usc 1692c ( c ). XXXX ( XXXX ) and Chexsystems are in violation if the account is continuing to report and XXXX ( XXXX ) and Chexsystems do not have permissible purpose to report this account pursuant to XXXX XXXX XXXX. 


Immediately remove the XXXXXXXX XXXX with account # XXXX with a balance of {XXXX}.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 ; 30 DAYS LATE PAYMENT ; XXXX XXXX-30/60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.