davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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. (KS)

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Consumer complaint received 2019-04-24
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (CO)

Experian continues to neglect and play games to delay the process of my previous inquiries and investigation. I have sent them countless proof of who I am providing drivers license, Social Security number etc. However, they still continue to not process or look into the reporting issues that I have on my credit report. All they have done and continue to do is violate FCRA policies and procedures. If this is not handled properly by this Experian, I will have no choice but to look into further litigation to correct this issue for gross negligence and failure to provide Significant information to my request.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY XXXX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX  XXXX  XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER XXXX  " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. TRANSUNION IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX  AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : TRANSUNION FILE # XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX claim this debt is valid but fail to respond to me directly with proof of validation which I requested 4 times, fail to comply to FCRA law of proof of originals copies to proof valid of debt, I will post my request and their response. there response doesn't have copies of the original contract XXXX  XXXX XXXX XXXX reporting this account to my collection, so they have to validate this account or remove it. 

that's not the only violations on the collection account, XXXX reporting this account type is collection. 
Transunion reporting this account is open.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

To Whom It May Concern XXXX has tried to collect money for the service they did not provide. 
They have tried to use different collection bureaus to unfairly charge us. The first bureau, named XXXX XXXX XXXX XXXX, deemed XXXX  had no claim to bill us for a service we did not receive, hence they have now switched to the Collection Bureau of The Hudson Valley Inc. 
We called XXXX and the collection bureau and let them know that we are not responsible for the charge they are demanding because the service was cancelled and therefore not provided. 
We canceled the service/account with XXXX XX/XX/20 and received a confirmation email to go along with it. They want us to pay for the month of XXXX even though the service was canceled a month beforehand.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (VA)

Currently due to pandemic my income became short and going through financial challenges, and becoming XXXX XXXX positive. I have add credit cards with Jpmorgan Chase bank for years and never been 30 days past due. However this time I was reported negative for {$32.00} and I have called to make a dispute as courtesy which they are unwilling to help.
Consumer complaint received 2019-06-27
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

Chase credit card offers show discounts when buying from a variety of vendors listed on their web/app. I opted for the one offer for 10 % discount when buying from XXXX XXXX. When that discount was not reflected on my statement, I went back to their discounts page and found that customers have to click on a link on each offer to read additional information related to the promotion. On that subsequent page and in very small print, I discovered the offer was limited to a maximum of {$50.00}. Most other offers from this bank prominently show discounts, usually 5 % to 10 %, but until you read the very fine print on a different page, customers discover the offers are topped at a very modest dollar amount, {$7.00} to {$50.00} each. I feel the bank has abused the trust I placed in them.
Consumer complaint received 2022-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Im writing this letter because I feel upset about my refinance process. I started the process on XXXX and as of today I havent been able to close because Caliber Home Loans has Fail to comuncate with me they has changed the loan consultant many times and the havent told me. I call them multiple times and they never call me back with an update. All the documents needed for closing are going to expire soon and im not willing to wait more because the market and interest rates are changing.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing my credit report with transunion and XXXX, I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.
Consumer complaint received 2020-11-10
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. (FL)

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC 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, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have had a account with Huntington for many years. Due to the pandemic, I have been without a job since XXXX, XXXX. I've always enjoyed using Huntington and have found their customer service to be top notch. This year has proven to be different. On XX/XX/XXXX I got an alert that my bank had a withdrawl of {$1100.00}, I immediately called Huntington and they had no idea what I was referring to. It wasn't for a week later I was finally able to get to a higher up in customer service who would tell me it was for a garnishment, which I wasn't aware I had a garnishment. I contacted the court, told them I did not receive any sort of garnishment paperwork, they referred me back to my bank. I'm on unemployment, the funds in my account are unemployment funds which are protected which the court agreed to as well as the representative at the XXXX XXXX, MI location. I was promised Huntington would get back to me and I have yet to recieve a resolution. As of today due to this issue I am out {$1500.00} with no regard to getting it fixed.
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I received a letter from the mortgage company, mr Cooper on XX/XX/2019 about an overage in my escrow account of {$8100.00}. The overage is actually {$6200.00} because I've been paying into an escrow account for years. They want me to pay {$1100.00} for 12 months to cover the overage which equals {$14000.00}. That is twice what the overage is and too much for me to handle. My mortgage payment went from {$1400.00} to {$2600.00}. I'm retired and live on social security.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MA)

I am writing to alert this agency to anti-consumer business practices at Comenity Bank, a creditor that intentionally avoids making payments simple and certain for consumers and then irresponsibly and maliciously asserts undue control over their financial well-being. 

Detailed explanation of the issue : I used my Comenity Mastecard at XXXX XXXX in XX/XX/XXXX for the first time in more than a year. I mistakenly thought I had set-up autopay on this account only to remember when it was too late that this account doesnt offer autopay. As soon as I realized my mistake, I paid interest and fees amounting to 22 % along with the entire balance ( {$150.00} ). Comenity Bank reported my delinquency to the credit bureaus, and the delinquency is having a significant negative impact on my credit score, preventing me from refinancing my mortgage and taking advantage of tens of thousands of dollars in interest savings. 

I wrote to Comenity in XX/XX/XXXX explaining the situation and requesting a goodwill adjustment. With no justification, my request was denied. I then called and spoke with a manager who offered to personally request that the Credit Reporting Department reconsider my request. They again denied it with no justification. 

I called again on XX/XX/XXXX and spoke to two managers first XXXX, then XXXX, who told me that the denial of my request was final. Neither would share the list of criteria used to determine whether a goodwill adjustment is warranted, but XXXX confirmed that the size of the debt is not a criterion.
Consumer complaint received 2020-11-10
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. (TX)

Experian refuses to delete a negative item even though the company has sent me a letter stating they have ceased collection against me. The company XXXX XXXX XXXX can not provide written proof the collection is mine. Therefore, they have ceased collections against me. It is against the law to report the debt when they can not provide written proff it belongs to me. I have disputed the collection of XXXX on XX/XX/2020 and sent Experian the letter that states the company is ceasing collection. Nonetheless, XXXX XXXX XXXX fraudulently keeps validating the debt dispit not having proof of ownership for me.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC. (OH)

I went through a payday company called XXXX XXXX XXXX which is now defunct by the Federal Trade Commission. I received my letter from said company stating I successfully completed the program. I applied for a loan and was denied because I had a payday loan company that is now showing up on my credit report as not being paid that was including in my XXXX program. I don't know what to do this loan is over XXXX XXXX XXXX I do believe. It is Cashnet USA or XXXX. I did receive a phone call from them when I finished the payday program and I explained to them about the program and gave them the information to contact them because they said they were not notified by them. I have sent gotten rid of all my documentation except the letter provided below. How or can I get them to take the debt off my credit report? If not how long can a payday company keep said debt on your record, considering I paid a company to make payments to them. 

Thank you
Consumer complaint received 2023-03-15
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: M&T BANK CORPORATION (NY)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. M & T BANK XXXX Open Date XX/XX/2013 Balance : {$0.00}. 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
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)

I obtained a credit card through XXXX XXXX back in XXXX of 2015. Subsequently after the XXXX layoffs I had to do a credit repair in which I settled the owed amount and paid them the balance ( {$850.00} ). Well for the past year and a half I have been battling with XXXX XXXX to correct my credit file. They reported a XXXX balance to XXXX credit agencies but left the {$850.00} balance on Trans Union. After going around and around with different departments ( credit card, collections and branch offices ) It is still on my credit file as a derogatory balance of {$850.00}. I got in touch with an employee in their credit card collections dept which told me they would be sending a removal letter but the only thing that happened was they updated the description. I still had a derogatory {$850.00} balance at Trans Union which is incorrect as they did send the correct XXXX balance to XXXX and XXXX. Well I contacted them again and was able to speak with a Branch Mgr/XXXX  who actually responded to my emails/calls but unfortunately whatever was submitted from XXXX  XXXX ended up just placing the derogatory description back onto my credit file which dropped my score XXXX points. Then a month later I got an alert that XXXX  XXXX added the derogatory {$850.00} balance to XXXX. I now have XXXX bureaus reporting this and my score dropped another XXXX points for a total of XXXX points within 2 months which cancelled my mortgage negotiation contracts! I notified the Branch Manager who actually responds to my inquiries and they advised me that they are escalating this but after this long it is only right to file a complaint with the XXXX  and CFPB. I have my acct number and I monitor my credit through XXXX different vendors that can support this happened. Please help me rectify this situation.
Consumer complaint received 2019-06-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (TX)

On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a XXXX XXXX Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time XXXX XXXX Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the XXXX references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.