davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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)

There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 XXXX
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TN)

My mortgage company is U S Bank I have submitted my financial several time with thin the last year and a half, and request for a mortgage modification. I have been turned down several times. I recently received a wage increase from my employer. I want to keep my home. I have resubmitted the request for mortgage modification with financials as of XX/XX/2018.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The address dispute has been received and should be completed by XX/XX/2022. 

Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to Experian XXXX XXXX and XXXX to correct my address but they have refused since XXXX XXXX XXXX  to XXXX XXXX.
Consumer complaint received 2018-06-24
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. (NY)

I checked my personal credit report, which I acquired from your organization on XX/XX/2017 date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (NV)

Hello I been sending letter to XXXX, XXXX and XXXX to remove the account listed below. I have never been applied or been associated with any of them. 

XXXX ). PLUSFOUR INC XXXX ). XXXX  XXXX XXXX XXXX ). PLUSFOUR INC XXXX ). PLUSFOUR INC XXXX ). XXXX XXXX XXXX ). XXXX XXXX
Consumer complaint received 2018-06-24
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. (CA)

I have a collection account reporting wrongfully as a re-aged account on Experian and XXXX  bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX   DELETED UPON PROOF OF RE-AGING. 
If EXPERIAN AND XXXX  READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... .. 
they should be able to delete the account without any further lies from their subscriber.
Consumer complaint received 2018-06-24
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. (GA)

I disputed inaccurate account information with TransUnion that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from TransUnion, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that TransUnion share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue stress. I'm trying to resolve this issue. But I know my rights and the law. I just want TransUnion to abide by the law as well.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (MI)

On XX/XX/2014 I have refinanced my second house ( Condo ) in XXXX Florida with XXXX XXXX XXXX and mortgage included escrow account which covered taxes and insurance along with the interest and insurance. I was making regular monthly payments for entire amount which included taxes and insurance and never been late with my payments until my mortgage company lost my property due to non payment of property taxes. In meantime I had moved and County clerk sent a foreclosure notice to my old address but I never received it and was returned back to the county clerk as non deliverable. County Clerk also send notices to the Lender but they failed to make any payments ( even dough they have received my payments on monthly basis. ) and my property sold to the highest bidder at a tax foreclosure sale auction. When lender found out that they lost my property to contacted me to see if I would take the property back if they can reverse the foreclosure sale. I agreed to take it back if they can reverse the sale. They went to court for over 2 years and they lost the case and winning bidder still owns the property. I tried to negotiate with my mortgage but they don't want to compensate me for any losses or give me any money for damages. Only thing they offered is wipe out the loan principle balance. I am in court with them trying to get any relief from them. I just got to know about your company and now I am reaching out to you if you may help me with this matter. Address of my property that I lost isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (MI)

Same XXXX  that started in XXXX when I notified Chase, XXXX  and other credit cards that I had at the time that I was disable and had to stop work SO I ask them to freeze my accounts! I use these cards in my business!!! I kept one card open! That when it seems that money was being transferred out of these accounts to a XXXX XXXX Fake account!! I call em they replayed " we take care of!!! You do not worry '' this when on till XXXX when I finely payed off them the amount that I did owe NOT the amount that they illegally moved to XXXX XXXX Fake account!!! 

About two month ago I received a massage from my banks security company that there were some transfers of money that seem fishy!! To a company using the name XXXX XXXX>>> Not the real company!!! Funny is that it was the same amount that CHASE said that I owe them!!!!! My bank canceled that card and gave me a new one<<<<< And I am still getting letters and phone calls from them stating that they will keep reacking my credit until I pay them!!!
Consumer complaint received 2016-02-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Services Collections, Inc (TX)

ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I co-signed on a vehicle with my wife on XX/XX/XXXX. After always paying on time my vehicle transmission went bad in XXXX of XXXX. After trying to set up payment arrangements to pay vehicle off I was sued and a judgement was filed. The continue to update the debt every month negatively even though its shows as a Charge-off since XX/XX/XXXX.
Consumer complaint received 2022-10-04
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I recently applied to a Chase Sapphire Preferred credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase Sapphire is the right choice for myself. I have other credit cards with them and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (CA)

I have for now multiple times attempted to resolve these issues with Equifax, however they refuse to do anything. I have sent them a copy of my state issued ID mail from my current address copy of credit report copy of Federal Trade Commission 's Identity theft affidavit for the below listed items. 

XXXX XXXX XXXX Acct # XXXX {$600.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} Unknown - Company not Listed Acct # XXXX {$4200.00} Unknown - Company not Listed Acct # XXXX {$530.00} XXXX XXXX XXXX Acct # XXXX {$720.00} Multiple soft inquiries as well as hard inquiries never acquired are also on my credit report, as well as multiple mispelled names and addresses I have never lived at.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted Transunion numerous times that XXXX XXXX  XXXX Act. # XXXX and XXXX XXXX XXXX  XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?
Consumer complaint received 2020-07-18
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. (MO)

I co-signed on a vehicle with my wife on XX/XX/XXXX. After always paying on time my vehicle transmission went bad in XXXX of XXXX. After trying to set up payment arrangements to pay vehicle off I was sued and a judgement was filed. The continue to update the debt every month negatively even though its shows as a Charge-off since XX/XX/XXXX.
Consumer complaint received 2015-08-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (AZ)

DEBT COLLECTOR has not notified the CONSUMER that such negative/unproven information was placed on CONSUMER 'S credit reports. DEBT COLLECTOR has neither furnished any paperwork showing from what original creditor this alleged debt comes from ; how the alleged debt was purchased ( or was legally assigned collection authority ), nor how it calculated the amount ( s ) that appear on CONSUMER 'S credit reports, per Section 803 of the FDCPA. Furthermore, it is beyond the CONSUMER how an account can appear as both 'open ' and 'closed ', with conflicting amounts displayed. This account also appears to be re-aged in an attempt to keep negative information on CONSUMER 'S credit reports.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

I initiated merchant disputes with XXXX on my XXXX credit card for two charges, {XXXX} and {XXXX}. 

I ordered tickets for an event on a specific date ( XX/XX/2021 ) and was NOT provided with those tickets. I called XXXX 's credit card customer service number ( Synchrony Bank ) and initiated a merchant dispute on Sunday XX/XX/2021, explicitly for XXXX  Chargeback Reason Code 30 : Services Not Provided or Merchandise Not Received. 

I was then rebilled for both charges. I called multiple times for them to insure these disputes went to pre-arbitration and arbitration. 

The timeframe for the XXXX  disputes has long expired. Synchrony Bank has NOT provided permanent credits for the disputes, and the charges remain on my balance. 

This is a violation of Reg Z, and is a deceptive and unfair practice to not provide me with a permanent credit for these disputes.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC (TX)

Name : XXXX XXXX Amount : {$1200.00} Name : Genesis Credit Management : Amount : {$2900.00} Original Creditor : XXXX XXXX For the month of XXXX ( XX/XX/XXXX), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My husband and I then paid rent/utilities for XXXX ( XX/XX/XXXX ) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XX/XX/XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from Genesis Credit Management and XXXX XXXX. I have already made attempts to have these collection items removed from my credit report, but I have not been 100 % successful. Although XXXX XXXX no longer shows on my credit reports, it does still show on my husbands. I was able to have Genesis Credit Management removed from my XXXX report, however it is still on my other reports and on my husband 's credit reports. It has now been almost 2 years that I have been disputing this debt with XXXX XXXX and the credit reporting agencies. My husband and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my husband 's job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.
Consumer complaint received 2016-02-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (FL)

i received a letter from Alliance One Receivable Management, the telephone number in such, XXXX misrepresents the collection agency. This toll free number directs me to an automated system full of marketing sales advertisement. From XXXX offers, emergency service for the elderly, up to mobile phones sales. i question the legitimacy of this company. I feel they are trying to phish for information if i choose an offer. it is concerning they have my PII information, fake such a letter, and may take advantage of computers. This is unfair and deceptive practices. I found their number on-line and spoke with XXXX XXXX who was rude - she refused to provide me information about the legitimacy of her company.
Consumer complaint received 2024-05-24
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. (FL)

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. I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Reason : Account is fraudulent AccountName : XXXX XXXX  Account # XXXX Reason : Account is fraudulent Account Name : XXXX XXXX  Account # XXXX Reason : Account is fraudulent.
Consumer complaint received 2021-03-02
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: GLOBAL PAYMENTS DIRECT INC. (NJ)

I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NH)

Not only am I an essential worker bringing in a paycheck weekly but Ive never missed a payment on any of my accounts in my credit history. Nothing in my credit report changed and for some reason I received an 80 % decrease in my available credit overnight with no explanation or warning!!! 
I have made over 15 calls because I would love the opportunity to keep my card and the benefits, but still no resolution. Worst customer service I have ever received. Not only have I spoken with numerous representatives from American Express several of them even told me that the situation doesnt sound right.Im horribly disappointed with American Express and lack of help, especially because I have been a customer for over 5 years and have always paid my cards off in a satisfactory manor. I will be switching to chase or another reputable credit card company because for some reason their pre-approvals are over {$5000.00} more than my original limit ... which btw was decreased 80 %! This just doesnt make any sense to me. I work in the XXXX  industry as a XXXX  XXXX and it sounds like a direct violation of the equal credit opportunity act as they are refusing to reinstate my limit even though I qualify. Theyve also countered offered with terms that are less favorable than those terms offered to someone with similar qualifications.
Consumer complaint received 2018-03-14
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. (IL)

I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive recourse.