davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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. (PA)

Recently i have checked my credit report and have noticed several inaccuracies. This inaccuracy i have noticed is not in accordance to the FCRA XXXX XXXX XXXX XXXX, XXXX. I did not open any account, give permission, or enter into any agreement with the listed XXXX XXXX XXXX, or was the debt a CREDIT TRANSACTION. It is to my understanding that this you will investigate these items for me to ensure accuracy. 

Listed below is the agency in question : ( XXXX ) Account Name : XXXX CO XXXX Account Number : XXXX ( Transunion ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2023-07-06
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. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN General to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency PERMISSION to report anything on my consumer report which violates my rights as a federal consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-12
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (FL)

On XX/XX/2019, I became aware of a derogatory account listed on my credit report by Diversified Consultant for the balance of {$200.00}. A phone number was listed and I made contact with the company about the account. I informed them that I received no notice of this debt and the right to dispute it before it appeared on my credit report. The representative replied and stated they attempted to reach me on my cellphone and it was against their company policy to leave voicemails. With the amount of scam calls that I receive over the years, I typically don't answer numbers that I'm unfamiliar with unless I'm expecting a call. No formal notification through mail was ever sent out by this company.
Consumer complaint received 2023-07-06
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX XXXX : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX XXXX : {$530.00}
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

I have 3 credit cards with Chase as the credit cards holding bank. I am slo now applying to refinance my home with Chase. As I am sure you are aware when you apply for credit cards, it is unknown the holding bank. I found this out naturally after the fact. So with the 3 credit cards & now applying for a refinance, I am paying of course interest on ( 4 ) of Chase 's products. I have called in the past to assess if my interest rates can be lowered, to no avail. I have a very good credit rating, yet I feel & think this practice is unfair to collect interest now on ( 4 ) products! Chase should work with me to help lower my interest rates on all products/ services! They have not regardless of my inquiries. 
Being a senior on a fixed income, the lowering of my interest rates would be benefical for me financially. Chase is " ripping me off '' with such high interest rates on each card & now additional interest rate for my refinance. It is not very consumer friendly to take advantage of people. IF you can assist with this issue, thank you in advance.
Consumer complaint received 2019-04-18
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. (MO)

These is a XXXX bill located on the experian profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.
Consumer complaint received 2023-07-06
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/2020
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (IL)

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account.

2 Deletion from all consumer reports.
Consumer complaint received 2019-04-18
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: EQUIFAX, INC. (MO)

These is a XXXX bill located on the equifax profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a XXXX balance. Ive called both XXXX and XXXX Card services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.
Consumer complaint received 2019-04-18
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. (TX)

XXXX of XXXX I paid my delinquent account off with XXXX XXXX XXXX Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both XXXX  and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XXXX of XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

My husband and I paid XXXX XXXX XXXX XXXX directly on XX/XX/XXXX. The manager agreed to retract and remove from collections. 

My husband and I filed for a dispute on XX/XX/XXXX, with all three credit bureaus. The collection was removed from my report, but now my husbands. 

The apartment complex did not remove the collection in XX/XX/XXXX as agreed after I paid. Procollect should have deleted it off both our credit reports per complex.
Consumer complaint received 2023-07-12
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. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$420.00} does not correspond to the lower amount that I remember. I request Experian to revise the XXXX XXXX information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask Experian to mark this account as disputed to prevent further negative impact on my credit score. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request Experian to correct/update this inaccurate information on my credit report.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

I applied for a mortgage with AmeriSave Mortgage on XX/XX/XXXX. During a discussion on XX/XX/XXXX with the Loan Originator, XXXX XXXX, I was told that AmeriSave needed a deposit of {$500.00}. as a processing fee. I questioned the deposit and was informed that it would be credited at closing and that I have been pre-approved. With that information, I paid the deposit. During the following weeks, I submitted all the required documents as requested. After receiving an approval in writing on AmeriSave.com, on XX/XX/XXXX I discussed the closing date with XXXX XXXX. He informed me that the rate of 2 % is locked and the Discount ( fees ) are {$7400.00}. I questioned the fees as he had previously informed me that the fees for a 2 % mortgage would be {$6600.00} less a lender credit of {$1700.00} for a total of {$4900.00}. He said that sometimes fees change, however, he would request an exemption from his manager. I was told that the exemption would be approved with our credit rating and would have an answer in 24-48 hours. Having received no information on the exemption, the following week, I made several phone calls and sent an email on XX/XX/XXXX which were never returned. I continue to receive occasional robo emails from AmeriSave that I have responded to with no response from the company. 
This appears to be a scam. I am requesting return of the {$500.00} processing fee.
Consumer complaint received 2024-03-02
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar has purchased our mortgage here in the XXXX of Florida. It is like pulling teeth to have our home repaired because they are either making us jump hoops to get the money or they are only issuing it to us in increments of {$10000.00}. Most contractors are having to have a percentage upfront and with them not releasing the funds provided to us by our homeowner 's insurance company we only have a fence back up and a roof that has been completed since Saturday XX/XX/19 that is only partially paid for. I understand they want to send over inspectors as they have interest in our property being the mortgage holder but they need to release more money at once. We are going to have to find a place to live for an estimated 8 months with children for interiors repairs. We can't even start those because we are still awaiting the money to be released for the roofing company before we can request more. Also we have to go through major paperwork as well as the contractors, then it goes under review for 5 business days, then they send it over to have the check cut for a portion of the work which takes 3 business days then they snail mail it to us which is another 3-5 business  days. This is the reason the people in the XXXX of Florida are having such a hard time rebuilding, because of mortgage companies such as this. We have done everything but the struggle becomes even harder with each repair we make. They are making it entirely too difficult to make repairs because by the time we are able to secure someone which like I said is hard to find they get tired of waiting and go to the next job. These people seriously need to release our funds in a timely manner and at a higher amount so we can have our repairs complete before yet ANOTHER hurricane season. I personally do not want to live in a camper trailer with my family during a hurricane. Flagstar Bank is nothing but a hassle.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WI)

I. C. System, Inc. called a number, asked if I was XXXX XXXX. Asked if I receive mail at XXXX XXXX XXXX in XXXX CO, I said yes. I could be anyone. They read me a " mini-miranda '' and proceeded to reveal personal information about the debtor to the caller about my private and confidential business matter with XXXX. At no point during the call did I.C. System attempt to get me to identify myself with the last 4 of my social security number, my address etc. They only asked if I was " so-and-so '' and if my address was " so-and-so '' and proceeded to release my personal information to a random party. This is a vulgar violation of the FDCPA.
Consumer complaint received 2019-04-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am tired of the financial dance and impact to us concerning credit reporting. We have been warned that Equifax has been hacked, we KNOW they maintain off shore access and service and yet negatives are posted immediately and months go by before correction, if ever. To further harm us THIRD party submission are inaccurate and usually 30 or 40 point lower and all the while the dance their are different models. NO, they allow this misinformation to be used and their legal out the dance- they have no control and there are many methods all by opinion to encumber people and keep them indentured. Their legal ability to keep us in financial duress and your ineptness at protection pathetic. The path of resolution hard and practically non existent. Right now attempting a mortgage Equifax score substantially less than the others who also share in this fiasco and by opinion abuse. Yes and all LEGAL and that tells all " you shall know them by their works. '' Note THEIR WORKS! PS you no longer have them listed now doesn't that alone speak t who these people are and THEY control the lives and finances of billions and evidently now all over the globe.
Consumer complaint received 2019-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 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.
Consumer complaint received 2021-02-18
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. (AR)

I have disputed some erroneous accounts with XXXX, XXXX, and TransUnion but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX  XXXX TransUnion XXXX XXXX
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (NY)

Citibank loan payoff department operates irresponsibly, negligently and is purposefully misleading. Further, Citibank loan dept. refuses to send statements for closed Checking Plus accounts that have a remaining balance. I have made numerous attempts to have my monthly payments automatically withdrawn from my bank account. However, the bank has applied two payments directly from my non-Citibank checking account in bad faith. 

Despite numerous phone calls to Citibank loan and LOC dept., the customer service representatives either ( 1 ) do not know the procedure to set up automatic deduction, or ( 2 ) transfer my phone call to another department who does not handle loan or LOC payments. 

Citibank loan department operates in bad faith and egregiously violates basic customer service and lending rules for the general public by not allowing easy access for their loan payoffs and not allowing consumers to see their loan balances through either regular statements by mail or on-line access.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allegiance Accounting Services, LLC (NC)

This company called me yesterday XX/XX/19 about an unknown debt fromXX/XX/XXXX for the amount of {$860.00} ... ... I have no knowledge of this particular situation. Also it is from a state that I do not reside in ... .They also had an incorrect last name on the account. And they threaten to sue me several times during this call which made me very uncomfortable. I'm totally unhappy with this experience and they could not provide me with any proof of signed contract or anything as I spoke with them to try to figure out about this unknown matter. The representative I spoke with name was XXXX XXXX the company name is Allegiance Accounting their phone number is XXXX
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

As your ditech company had said that it would give me a refund when it will send the current tax receipts, I already sent it to you weeks ago, just need to send the taxes of the school, and that comes in XXXX. therefore I ask for the return of what I paid extra from XX/XX/2018 to today date ... I ask for a refund of the difference i have paid extra.as you told me in a letter company will refund me. 


And still need some readjustments in the account are missing ... I hope they meet this time.