davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Chapter XXXX bankruptcy case number XXXX has been completed and debts were fully XXXX. Accounts listed on my credit report which were included in the bankruptcy should reflect a {$0.00} balance. Some accounts also fradulently report that the account was included in Chapter XXXX. That is incorrect information. XXXX NM also incorrectly includes a status of " charged off ''. The account was not charged off but was included in Chapter XXXX bankruptcy and fully XXXX. 

Debts that are XXXX in a chapter XXXX bankruptcy should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as " past due '' once the bankruptcy has been filed. 

Creditors who continue to report the debts listed in my bankruptcy schedule as past due or with a balance due after I received my bankruptcy XXXX, are robbing me of my fresh start... .and a a result I have been damaged : I have been robbed of my fresh start. 

I want all accounts, with the exception of the newly opened XXXX  XXXX account on which I am an authorized user only, to be updated to accurately reflect the fresh start granted to me by the courts. 

I filed a previous complaint regarding this issue and the credit bureaus took more than 30 days to investigate which is a direct violation of the FCRA. Should this issue continue to go unresolved I will pursue the assistance of a legal team.
Consumer complaint received 2022-10-06
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. (CA)

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 Im 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 disputed 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 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 Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Original creditor QXXXX XXXX XXXX  Balance XXXX {$300.00} ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX ACCOUNT XXXX MUST REFLECT THE STATEMENT BALANCE OF {$520.00} IT HAS NOT BEEN UPDATED BY THE REPORTING AGENCIES FOR OVER 1 MONTH AND I EXPECT THEM TO EXPEDIATE THE MATTER AND UPDATE AND CORRECT THE LOAN BALANCE AS PER Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Consumer complaint received 2020-06-07
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 (LA)

XXXX  and XXXX  both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

My credit card account was opened in XXXX  and I have never defaulted on payment. Last year I paid no interest because I paid off the balance each month. On XXXX XXXX XXXX  I received a letter that CHASE had closed my account " because of your association with a Chase credit card, deposit or investment account that was previously closed. '' I called the questions line, XXXX but CHASE would not elaborate on the reason for closing this account. My credit rating is over 800 points.
Consumer complaint received 2021-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (MS)

I'm actually having problems with two bill collectors-Regions Bank and XXXX ( located in XXXX, AZ ). Since the new XXXX XXXX XXXX was appointed there has been an approximate 2 week delay in mail delivery. These 2 institutions are claiming they did not get the payments for the past 2 months, despite my bank saying they received the payments. I've tried to get both of these institutions to provide me bank with the ACH routing numbers and they refuse to, but insist on charging late fees, which I have told them I will not pay. I know, of course, they will likely report it to the credit bureaus, causing my credit score to go down, resulting in higher interest rates. Please help the consumers by requiring all financial institutions to use the postmark date as the payment date to stop the unfair practice of claiming they did not receive the payments and charging late fees. We should not have to pay for the post offices ' failure to deliver mail in a reasonable time. Two weeks is entirely tool long for a letter to be delivered when the payment can be driven to the payment certer within 2-3 days if they delivered it themselves. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-05-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (TX)

I used a company called the XXXX XXXX, XXXX. to help me with a mortgage " Adjustment '' after having issues with my lender 's payment process. My loan ID was incorrect and payment was " denied '' and considered " late ''. I sought out help to possibly get my mortgage adjusted and become current. I was told NOT to communicate with my lender directly and to send ALL mail received to the XXXX XXXX. I was asked to make payments of {$870.00} for the next 3 pay periods, of which I made these payments to the " XXXX XXXX ''. The process has taken over 3 months and now I have received a letter from my lender stating that they will not do any mortgage adjustment or forebance for my mortgage and that I must pay {$9700.00} + late fees within 16 days or I will be Foreclosed on. I can catch up on this mortgage if given another month or so, and plan to make a payment of half of the total balance due by XX/XX/2018 of {$5000.00} and will have issues trying to get together the additional ( approx ) {$5000.00} by my next pay day on XX/XX/XXXX, of which I will be an additional {$1800.00} past due. I have asked for more time, and have been denied this request. I have equity in the home that would more than cover these amounts, however after being scammed by the XXXX XXXX, I'm simply left with no time to recover.
Consumer complaint received 2022-12-01
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-12-15
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. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX missed payment XXXX XXXX XXXX XXXXXXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
Consumer complaint received 2019-09-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Dear Wells Fargo, in XX/XX/XXXX and XX/XX/XXXX, you were my mortgage loan servicer where you were both a mortgage lender and a mortgage servicer. The underlying mortgage loan that you serviced has Mers Min Id of XXXX, during XX/XX/XXXX and XX/XX/XXXX. According to HUD settlement statement, XXXX refinanced the mortgage lien under Texas Section 50 ( a ) ( 4 ) guideline.  This requires that XXXX will pay for your loan ( the  one you issued as a lender and as a servicer ) to be released since paid off by them. Then they will establish their lien. While XXXX did their fraudulent staffs, your company fraudulently pursued a DIL ( Deed in Lien of Foreclosure ), without even informing me. It is obvious that my signature and the agreements needed have been forged. So here are some important question on that regard. Was it a XXXX loan that they quit claimed or was it not, in which case you quit claimed in guise of a special warranty deed? This is important because due to your DIL and quit claim, my chain of title has been messed up. I don't mind you guys transfer your loan for mortgage backed security or sale if to someone else, what I do mind is that you forge the signature and all the documents using my identity and then finally break the chain of title. 
Hope you understand the pain. So please provide the state of this thing, so that I can take the right approach to fix this. Thanks.
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade Recovery Services, LLC (UT)

Meade Recovery Services is illegally attempting to collect a fraudulent debt from me from XXXX XXXX XXXX. I was double covered ( insurance ) during the time of my appt., and they did not bill either insurance. I have asked for documentation from XXXX XXXX XXXX and Meade Recovery, yet the neglect to send it. M
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I paid off my XXXX card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have Not.
Consumer complaint received 2021-03-09
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: Certegy Holdings, LLC (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (AR)

THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ALL HARD 10 ON XXXX
Consumer complaint received 2024-03-02
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. (FL)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CONSUMER REPORT. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (TX)

The debt I 've acquired is from an apartment complex in Texas I lived in about 5 years ago. Upon moving out I was charged my full deposit plus other ridiculous fees resulting in me owing over {$500.00}, which I had no intentions on paying. To this day I have never been contacted to repay this debt by the apartment company or the collections agency. The only reason I know it was turned over to collections is by checking my credit report.I still have had no contact with either party but am seeking information on how best to handle the situation.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ME)

Carrington Mortgage has been the direct force in us resulting with a lien against our property. Our mortgage has our tax pymts escrowed. On XX/XX/XXXX, I was informed by my town office that no pymts had been received for the year & a XXXX day demand was in affect. We contacted Carrington on XXXX and was told that their records agreed, no pymt had been made. A copy of the demand letter was faxed by the town to the company. We were told it had been received and would take XXXX days to process but we were all set. After checking our account and seeing no pymt applied we again called on the morning of XXXX. We were told this time that nothing had been processed & that they had not received a fax from the town until XXXX. This was in fact a lie since we had verification back on XXXX we were all set. The town further verified it by having confirmation that the fax was sent on XXXX and there were no outgoing faxes on XXXX. They told us it would be another XXXX days for processing. I told them this was unacceptable since the deadline was XXXX. The town was contacted by them the morning of XXXX asking for yet another statement of the account balance. It was provided and then the town called and verified that it had been received and was in hand, which it was confirmed. I called as well and was told on XXXX that the check had been issued and had been overnighted. On XXXX, no payment was received. The XXXX aware of the situation, called the company and was told that they would call back with a tracking # and were surprised it had not come in. By the afternoon, the XXXX received another call from a different individual stating that there had been a mess up and the check had not been mailed ( Even though XXXX the XXXX and myself was informed on XXXX it had been mailed ) They were unwilling to do anything in forms of a wire transfer or over the phone payment to avoid us having a lien placed on our property by XXXX. Checks were finally cut and mailed on XXXX but a lien was filed due to non payment by the set deadline. 
This has further led us to believe that we were misdirected last XXXX ( XX/XX/XXXX ) when we tried to apply for a refinancing of our loan due to some hardships ( my wife had missed a lot of work due to XXXX issues ) We submitted everything that was requested of us and each time when we confirmed that it was received, were told we were all set. Then when we would call to check on the status, were told on XXXX separate occasions that the documents had not been received. We were ultimately denied and accepted it, but this is now making us wonder, if this was just another lie and documents were not delivered or fairly reviewed.
Consumer complaint received 2024-03-05
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, XXXX  an amount of {$5000.00} was taken from my banking account with Bank of America. I did not make this transfer, nor was I ever notified it was being made. When I called Bank Of America they said someone created a seperate bank account, linked it to mine, and transferred {$5000.00} into their account. I called B of A customer service immediately and they asked me to answer my security question, when doing so they said the answers I provided were wrong. Then they proceeded to ask if i wanted to update the answers without asking for my social security number or any further information. This leads me to believe someone could have called and done the same thing, and gotten into my account that easily because their lack of protection. All of my personal information on file had been changed and I was NEVER notified. They were able to change all of my information take all of my money out of my account without ONE single call or notification from Bank of America.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

These three reporting agencies reported to my credit report when these were my ex husbands cards and accounts. I was not a joint holder on these accounts. These were all closed with XXXX balance and these accounts were his to pay off in the divorce. After the divorce these showed up as late marks on my credit. I never used these cards or account and we werent even married in these months. 

( 4 ) Capital 1 ( 5 ) Bank of America ( 5 ) Regions
Consumer complaint received 2022-10-05
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)

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018 up to current about this showing up. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. This needs to be removed immediately.