davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX and list of Inquiries. 


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.
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (OH)

This debt of {$100.00} is not my bill. This debt was bought by another debt collector Pendrick Capital Partners II in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX  when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.
Consumer complaint received 2019-06-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I have been on a reduced payment plan since almost the beginning in XX/XX/2009. Every year the loans go up but I am not able to afford it. I can barely afford the {$900.00} payment now and it is ending. Navient has not been able to offer any kinds of assistance with lowering the payment or extending the years of repayment. When asked to fill out a monthly expense type report, I am coming in the negative because of my credit card debt I've gone into to pay for my loans and for daycare for my daughter.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I am requesting the correction of one 30 day, and one 60 day lates that are currently reporting on my account ending in XXXX. This is a business card that was paid off in full as of XXXX of XXXX, and hasn't been used since then. 

I requested that this business account be closed in XXXX of XXXX via a phone call to Chase XXXX XXXX as I was leaving the company and didn't want to have a card associated with a business I am no longer affiliated with. 

However, the card was not closed properly, and I had no way of knowing that the card was still open as I specifically recall requesting the card cancellation after paying off the balance in its entirety As the card was NOT properly canceled, I was apparently assessed an annual fee in XXXX of XXXX, of which I wasn't aware of. Chase attempted to draft money from an old bank account and the payment was thus returned. I didn't know this was happening since as far as I was concerned, the account was closed. * I later found that this was happening after being alerted by my mortgage broker that I have two lates reflecting on my credit for the months of XXXX and XXXX of XXXX respectively. 

I was notified by my mortgage broker that my scores have declined over XXXX points due to the late reporting from Chase. I have never seen this account on my personal credit and had no reason to believe that an annual fee would be assessed on a closed account. Chases failure to adequately close the account as requested resulted in 30 and 60 late reporting on my credit, and subsequently dropped by credit score over XXXX points. I am asking that this account is canceled as requested in the past, and that the late reporting is corrected, as the fee should have been assessed in the first place. 

I have several accounts with Chase and have never been late once on any of them. I shouldn't be held accountable and marked late for a fee that wasn't supposed to be charged in the first place.
Consumer complaint received 2024-02-22
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-07
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: CL Holdings LLC (GA)

I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/19 my AMEX bill was due. I had misplaced my bill and I paid it in full on XX/XX/19. This was the first time, after charging tens of thousands of dollars on my AMEX card, that I have been late on a payment. They charged me a {$35.00} late fee and an interest charge of {$32.00} for being three days late. This is an exorbitant amount for being three days late. Regardless, I paid these unreasonable fees when they appeared on my new bill on XX/XX/19 - the due date. I just received my new bill due XX/XX/19 and it shows another interest charge of {$36.00}. I could not understand why I was being charged interest again when I paid the previous bill in full and it included the late fee and an interest charge from the XX/XX/19 bill. So, I called and asked the representative - XXXX to provide a customer courtesy and waive all the charges. He asked me to wait a few minutes and he would check if he could do so. He returned to the line a stated he couldn't. I requested he cancel my credit card. I beleive this is criminal. I paid my bill in full and on time. The payment I understood included the late fee and interest as stated on my bill only to learn on your next bill they continue to charge interest that you thought you had already paid in full. I also beleive this is terrible customer service.
Consumer complaint received 2022-09-13
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. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-20
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. (CA)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX   XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not XXXX  XXXX  to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-20
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. (TX)

address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ln
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

accounts not mine XXXX XXXX XXXX
dept of ed/ XXXX  (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (XXXX)
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in  XXXX  I notified the agencies to place a fraud notice on my file. This happened again in  XXXX .
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TN)

FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Freedom Mortgage is notorious for not posting mailed payments in a timely manner and I have called them in the past about this very issue. My XXXX 2016 payment was mailed XXXX/XXXX/16 and has not been posted as of XXXX/XXXX/16. I call and let them know on XXXX/XXXX/16 that if the check is truly NOT there I can make this payment today but if it comes through after that it will overdraft my account. The rep ( XXXX ) stated well you need to stop payment on the check.I refuse to spend money on that because I believe the check is there and I requested them to look for it. I was told no they do n't do that. I requested a manager and was told no manager is available and was transferrd to escallations. The rep there continuously interrupted me as I was requesting them to look for this check. He told me they will not look for the check. Both reps refused to assist me. This company has no respect or consideration for it 's customers and it clearly shows. All I 'm trying to do is make sure this payment gets posted on time. If the payment truly did n't make it to their location it will be the only time this has ever happened. I have been mailing my mortgage payments for 17 years and NEVER had a payment not show up or ever show up LATE. My credit history and score is well above average because I pay my bills on time EVERY MONTH. This better not show up on my credit report due to this companies negligence in handling payments. I have mailed in payments to this company regularly between the XXXX and XXXX of each month and it is verifiable that they do NOT POST until the XXXX, XXXX, or XXXX. This company simply refuses to assist me on an issue I did not create nor do I have any control over. This is truly a shame and I want a company officer to call me immediately. Do not report any negative activity on my credit report and have a company officer contact me immediately.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I sold my property in XXXX, Florida and closed on XX/XX/2022. On XX/XX/2022, XXXX XXXX XXXX XXXX " transferred my already paid loan '' to Mr. Cooper and sent the closing loan payoff amount of {$160000.00} to Mr. Cooper. 

Mr. Cooper refuses to close the loan, has reported me to the credit bureaus as delinquent mortgage payments and is demanding an additional amount of {$8400.00}. Please help!
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at zero unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and XXXX XXXX that I see I am not alone ... ..
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Letter was sent by JEFFERSON CAPITAL calming a debt of XXXX  XXXX XXXX checking account. I dont have an account with XXXX  XXXX XXXX .... I called XXXX  XXXX XXXX to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-21
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. (FL)

Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my XXXXREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at XXXX unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and wallet nerd that I see I am not alone ... ..
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Ive submitted documentation to Lexis Nexis, XXXX, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and lexis nexis. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA XXXX Balance {$850.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.