davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
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. (AL)

Company was applying my payments incorrectly. Had been paying over the minimum amount, changed auto pay to begin charging minimum amount and that's when all the issues started. They tried to tell me that my payment made in XX/XX/XXXX wasn't for the XX/XX/XXXX - XX/XX/XXXX billing cycle that it was actually for XX/XX/XXXX. They told me that my payments are actually for the next months statement. So instead of applying my {$100.00} payment, they only applied $ XXXX.They kept reversing my transactions to where I don't even know what I have and haven't paid. My XX/XX/XXXX payment was late because of these issues I was having. I made a payment online for the due amount. Then on my next statement, it said that I was {$3.00} past due.I made a {$100.00} payment on the company 's website on XX/XX/XXXX, minimum amount due was {$3.00}. My payment then was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$170.00}. I should not be at fault and penalized for {$3.00} if I was unaware that I even owed that. I paid a late fee that I shouldn't have even paid. When I called to talk to them about this they didn't even bother to help. I submitted disputes with all 3 credit bureaus. Transunion sent me the results dated XX/XX/12 which showed that I was in good standing and that I was never late on payments. However, I looked on the website today and it had changed back to negative. How are they able to change the status without sending me some type of reason why it was reversed over two weeks later.
Consumer complaint received 2023-02-22
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. (MD)

XXXX XXXX XXXX XXXX  that was paid off is reported incorrectly by XXXX of XXXX credit reporting agencies. Per the FCRA all reporting must be accurate across all three bureas, and if that it not the case the item must be deleted from the credit report totally. As of today XXXX  XXXX XXXX  XXXX  XXXX, for a XXXX  XXXX XXXX shows the following : XXXX- XXXX Equifax- Derogatory XXXX Paid Please remove this incorrectly reported closed account from the bureaus.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive asked the Transunion, XXXX, XXXX, and XXXX XXXX  to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 1681r.

Thank You
Consumer complaint received 2021-08-13
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)

There are incorrect addresses, names, and inquiries that I did not authorize, nor benefit from. It is causing me great issues because it is affecting my credit score. Because the credit agencies refuse to make sure things in my credit report are 100 % correct.
Consumer complaint received 2023-02-22
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. (OR)

I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX validating this. I had XXXX, followed by the XXXX in XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with Experian to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OR)

Checker is soliciting fuard information to the public basic identity theft shocking and extortion pattern and practices I contact them is the pass about file a disclosed because my court proceeding but they are still sealing that fuard information. 
and the pull up them charge intuition to block and deny opportunity.
Consumer complaint received 2021-11-10
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. (MI)

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

i moved from XXXX  my address in XXXX was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and moved to XXXX my new resident is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX i have called them many times but no action was taken with EQUIFAX other agencies as updated to my current address and its affecting my verification process for things i want to do.
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (SC)

I contacted the company to have it removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply you with an agreement between you and creditor and they have failed to do so, so i do not owe the bill.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My monthly car payment is and has been set to come out of our account on the XXXX of every month via auto-pay. I have not missed a payment for a year. My husband misplaced his debit card end of XX/XX/2021, and when he went to get a replacement card I did not realize it automatically turned auto-pay off for our car note, seeing as our bank account information was included in the auto-pay and not just the debit card. XX/XX/2021 the auto-pay never went through, which I was completely unaware of as I had just had a baby 4 days before, the last thing on my mind was checking my account to make sure the auto-pay went through as it has for the past year. We did not know the bill was late or hadn't gone through since we did not receive any calls from the company until after XX/XX/2021. As soon as we found out the auto-pay hadn't been paid for 60 days we quickly paid the bill for both months and got caught up seeing as the money was sitting in our account all along. However, this has effected our credit score drastically as they reported two missed payments in the last 60 days and I feel these late payments need to be removed.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

MY DAD DIED ON XXXX AND APPOINTED MY EXECUTOR AND NTIFING ALL BUREAUS OF THIS MATTER! XXXX XXXX XXXX, DIED XXXX. SEE ATTCHED LEGAL DOCS.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that Equifax and XXXX did not remove the consumer statement as well.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX  does not have power of attorney over my file and said so in an email to me. I previously provided this to the cfpb. 

Afte eno help from anyone at amex or XXXX  XXXX XXXX I was able to get in the online portal and tried to make a payment from an old account that was the {$50.00} payment it worked but that account is no longer active and i can not make payments nor could i prior as the system will not allows payment methods to be added. 

aside from that when i call to pay XXXX they refuse to accept payment and still say consumer direct has power of attorney. that is false information. no other party has power of attorney but me. 

amex is predators and will not allow me to pay my account. their portal does not work and they are still not offering me a way to make a payment. This isnt solved as im still stuck being told i can not pay my own account.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

I am appalled and disgusted by the belligerent customer sevice and bias discrimination I received. I have been a Chase customer for over 7 years and never until today have I experienced social economic discrimination that defies human decency and shatters all critical race theory progression. I walked into Chase Bank located at XXXX XXXX XXXX XXXX XXXX. I encountered Vice President Branch manager XXXX XXXX who talked to me as though I was a remedial when I have ascertained over 4 advanced degrees. Chase is in violation 12 CFR 204.2. I walked in Chase bank a consumer and walked out overstanding equal opportunity or customer service is an illusion.
Consumer complaint received 2019-06-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

On my credit report for US Bank for a lease that I had, it is stating that I have 3 late  payments. One in XX/XX/2018, XX/XX/2018, & XX/XX/2018. There is an inconsistency for this seeing as I paid my car payments for these months and it is reporting late and ruining my credit score. The car loan ended up being paid off in full and the creditor ( US Bank ) even sent me a check for an over payment that I made. I am requesting that the late payments to be removed and the account put in good standing seeing as the account is closed, but the late payments are still on my credit report.
Consumer complaint received 2017-12-16
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. (FL)

This Two Credit Report Agency Experian and XXXX, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

We paid Capital One {$14000.00} and {$500.00} on XXXX XXXX, XXXX. The payments were posted and removed from our XXXX XXXX account on the XXXX, the next day. We also received an email from Capital One stating that the payment was posted. However, Capital One will not authorize us to use the credit available from these payments for an additional week. 

I called Capital One today, XXXX XXXX, and they told me that state law permitted them to not release the available credit for up to a week to ensure funds received ; however, they acknowledged that they already received the funds. This does n't seem right, and I ca n't find anything in my credit agreement that would permit them to do this. 

To be clear, they took the payment money from my account already and acknowledged that they received it. So why not release my available credit as promised on my cardholder agreement?
Consumer complaint received 2022-09-17
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. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : $ XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2021-11-10
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)

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from Experian stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.
Consumer complaint received 2019-06-08
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. (WA)

I have contacted TransUnion 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via XXXX to them. TransUnion is willfully and recklessly reporting false information. The most recent attempt was received by TransUnion in XX/XX/XXXX and they did not respond at all. I have also contacted XXXX  and XXXX  multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX XXXX XXXX TransUnion and XXXX  report late payment in XXXX. XXXX  reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX  XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
*XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX has removed this account, XXXX  reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX   did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

InXX/XX/2019, I received 2 notifications from XXXX XXXX that my JCPenney credit card account was closed by the creditor. XXXX  reported it closed XX/XX/19, and XXXX  on XX/XX/2019. However, my account is still open, because I used my card a couple times in XX/XX/2019, one of the purchases was made on XX/XX/2019. I never got any notification from the  creditor that my account was closing, and my account is not delinquent. This is not okay.
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

On XX/XX/XXXX a charge was on my Step Father 's mortgage statement for {$120.00} with the description " Fee Billed ''. We have called Mid America Mortgage and emailed them trying to get details on this fee with no success. Mid America Mortgage refers us to a different 800 number and when I call I am told to email .I sent an email three times now and called again today at XXXX and spoke with XXXX ID XXXX XXXX that no one is responding to the email inquiries and she informed my step father there is nothing she can do but escalate the issue. 

I have attached a copy of the latest mortgage statement for reference.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called to unfreeze my report. I was asked for my full social security number and I refused. I gave them the last 4 digits and they were able to complete the process. There was no reason to ask for my full social security number if the last 4 digits gets them to my file. This is a dangerous procedure.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC (IL)

MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.
Consumer complaint received 2019-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (NM)

The company refuses to lower payments and will not offer an extension regardless of hardship due to brain injuries and other injuries suffered from a car accident leaving me unable to pay on time or the full amount due. I request to have the payments lowered or a three month extension put through to allow for everything to be caught up.
Consumer complaint received 2019-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (NJ)

on XX/XX/XXXX mailed my dispute to them on XX/XX/XXXX they signed for it as of XX/XX/XXXX received no mail from them and my credit report doesn't reflect a dispute as of XX/XX/XXXX still received nothing from them and nothing is marked on the credit remarks about being in dispute