davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
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. (VT)

My husband and I applied for a loan with a local bank, and they need to pull our credit reports from TransUnion. After the XXXX data breach, I had frozen both of our credit reports with all three major credit bureaus. On Friday, XX/XX/2018 I logged on to TransUnion for both my husband and myself and temporarily lifted the credit freezes until XX/XX/2018. Both he and I received receipts from TransUnion indicating the temporary lift was in place. On XX/XX/XXXX the bank called to say they could not get access to either of our credit reports. I logged onto both our accounts and saw that my husband had no active lift in place, but I did. I placed a lift on his account until XX/XX/XXXX. On XX/XX/XXXX the bank called to say that they again could not access our credit reports. I called TransUnion on XX/XX/XXXX to find out what was happening. After several hours of fruitless navigation of their web site, I finally was able to talk to an actual person, who took information about my account, put me on hold to check the account, and then completely disappeared. I called again, waded through their convoluted phone tree, and finally talked to a person who was able to check our accounts. He indicated that there was an active lift in place for both accounts, and he had no explanation for why the bank could not access our credit reports, nor did he seem interested in helping us. The only advice he offered was that the bank should try again, and if not successful should contact their " local marketing department. '' He was unable to explain who or what this organization was. I relayed this information to the bank and this morning XX/XX/XXXX the bank called to say with the help of the company they use to interact with TransUnion they were able to get my husband 's report but not mine. I logged onto my account yet again only to find that there was no active lift in place. I again put a lift in place for my credit freeze, and am waiting to see if the bank can access my report. Since these credit reporting agencies amass out personal financial information without permission and apparently any accountability to the consumer, they should at least be required to provide a minimum of customer service to make it easier for the consumer to control when access to this information is permitted.
Consumer complaint received 2018-10-14
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. (NC)

Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (MN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from 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 with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX  XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
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. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I am doing this complaint against Selene Finance do to unfair mortgage practices that we are dealing with this company. We were on a repayment plan from XX/XX/2018 until XX/XX/2018 in the amount of {$1000.00}. Our original payment plan is {$890.00} and we were only behind one month. We made every payment that was suppose to be made. We made the last one for XXXX on the XXXX of the month. I called in every month and spoke with a live agent to give them the payment to make sure it was paid. When I signed in to make my XXXX payment it showed me having a balance of over {$2000.00}. I then called and asked what this amount was about. I was told this amount was my escrow in which our property taxes and insurance went up. Something I had no knowledge of. You would think with me talking to a live agent every single month while on the repayment plan something would have been said, but it wasn't. Now I'm being told that I am 2 months behind on my mortgage but how is that possible when I was making my payment every month including the extra {$140.00} to get the one mortgage note caught up. Then because I had no knowledge of any escrow issues I was told the letter would be resent to me. The mortgage company then sent someone out to my house to take pictures of my home. They knocked on my door and asked me if I was renting or did I own the home. Why was that even done? I have made all my payments and didn't deserve to be embarrassed the way this company did especially when I am not behind on my payments. I then called Selene again and was told that I could do whatever I wanted that nothing would change and that I couldn't speak with a supervisor or even get a number for corporate. I hung up and called back to be on the phone for over 40 minutes to be told that we had a {$640.00} credit and if I paid {$1000.00} it would take care of my XXXX payment but my XXXX payment of {$1000.00} of the repayment that we were set up for had already been made on theXX/XX/XXXX and has cleared my account and is showing on the account info when I sign in to look at Selene. Now even with the repayment plan being taken care of now this company is saying the repayment plan doesn't matter and that I am 2 payments behind which is to me unfair practices by this mortgage company. Something has to be done about this. Its no way I can be on a repayment plan, make all my payments then they now come and still try to tell me that I am behind after making my mortgage payments every month due to an escrow that I had no knowledge of. I will not allow this company to take my home in this way knowing that they are not doing what is fair and right. They say that they hold themselves to the highest standards of customer service, working honestly and fairly with all customers and clients. Nothing about what this company is doing is honest and fair.
Consumer complaint received 2018-08-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Thaxton Investment Corporation (GA)

On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
Consumer complaint received 2018-08-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC. (OH)

I did {$400.00} title loan in XX/XX/2014 with XXXX  XXXX XXXX XXXX , XXXX in XXXX Ohio, I have tried for the last 6 months to contact the company about the title since I never received my title back but I get nothing but a voicemail when I try to call the only number I can find for them.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I attempted to obtain my personal credit report from XXXX XXXX XXXXXXXX, part of XXXX. After I filled out the necessary form I was asked to send a written request with COPIES of both my social security card and Driver License which I feel very uncomfortable doing. 
I called customer service spoke to agent XXXX and I explained the situation. She refused to guide me as to how I can obtain my report other than submit the above mentioned copies. 
I also requested to put a freeze on my report and I was again denied such request. 

Please advise as to what I can possibly do Thank you XXXX XXXX
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018, I opened a checking account with Chase less than a month ago online with the promise of a {$200.00} bonus if I ( 1 ) open the account by depositing the minimum {$25.00} into the account, and ( 2 )  set up direct deposit of {$500.00} or more into the account. On their website, it states underneath the " Open Now '' option verbatim " Your coupon code will be automatically applied. '' You can find this information in the link below : https : //accounts.chase.com/XXXX I have also provided attached screenshots below. 

I continued to read the terms and agreements which stated that after ( 1 ) approval of the account, ( 2 ) depositing {$25.00} or more into the account, and ( 3 ) having the direct deposit made electronically within 60 days of opening the account, the bonus would be deposited within 10 business days. 

After 2 paychecks were deposited into the account, I noticed the bonus had still not been applied. I called Chase twice on XX/XX/2018 to resolve the matter, but was told that I did not qualify for the bonus because a coupon code was not applied to the account and 21 days had passed since opening the account which made my request ineligible. There is NO written indication anywhere under their terms and conditions that state there is a 21 day limit to apply a coupon to redeem this bonus. The account is still less than a month old, and at the time of contact, it had been EXACTLY 21 of their business days from opening the account online ( as they are closed Sundays ). In addition, as stated previously, after opening the account online, it was stated ( on their website ) that the coupon code was automatically applied. The " Welcome '' email I received from XXXX on XX/XX/XXXX after opening the account revealed no promotional code, nor expiration date for a promotion. 

Once they still insisted there was nothing they could do for me, I went to a branch in XXXX XXXX, NY and spoke personally to the branch manager who tried to override it with a promotional code I signed up for on XX/XX/XXXX with my personal email that was used to initially open the account. When it didn't work, he told me to call their main number again and re-explain my case. I called this morning, XX/XX/XXXX and retried only to be told that if I walk into a branch, they could give me a coupon code to override it. This, however, did not happen yesterday when I walked into the branch. 

I am more than happy to provide any further emails, and names of individuals I have spoken to if need be.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (AZ)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CREDENCE RESOURCE MANA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX  Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2018-08-22
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: CITIBANK, N.A. (NY)

I was in disbelief when I saw on my credit report a late payment reporting for me in XX/XX/2016. I am not sure what may have happened. I believe I made all my payment to you when I received my statements. My only thought is that my statement never got to me.
Consumer complaint received 2023-03-17
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. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XX/XX/XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-08
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. (TX)

This is reported with inaccuracies. I sent Transunion a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my report. They did not provide proof that this account is mine. Transunion did an improper investigation. 

According to the Fair Credit Report ( Act Account # Not disclosed on my report ) violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX