davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (NY)

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 told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account name ' XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...
Consumer complaint received 2020-12-07
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. (CA)

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I wanted to refinance my existing loan XX/XX/XXXX with Amerisave. Amerisave is in the business of " bait and switch ''. I was told that I could get a loan basic on my credit score ( XXXX ) and income. They had me get an appraisal XXXX to start the loan process without a " Good Faith Estimate ''. Amerisave required consumers to order and give payment authorization information for an appraisal before it would provide a Good Faith Estimate ( GFE ) for the mortgage, I found out later that the appraisal orders were being referred to its own affiliated company. During the loan process there was always something they needed. The out come was to get a loan for XXXX dollar more than what loan owe on my original mortgage. Amerisave was fined by CFPB Orders Amerisave To Pay {$19.00} XXXX For Bait-And-Switch Mortgage Scheme XX/XX/XXXX. I called amerisave customer service, I just wanted a refund of my appraisal fee and got the run around. Something needs to be done about scams companies like Amerisave. Thanks.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX. is not a company i 've done business with. its my son of same name but he is the XXXX. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXXAutomotiveCreditor Contact DetailsXXXX/XXXXXXXXXXXX, MA XXXX ( XXXX ) XXXXSee something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXXAutomotive
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

My mortgage began to be serviced by Ocwen in XX/XX/XXXX. Before it was transferred it was serviced by AMHSI, American Home Mortgage Servicing, Inc without any problem. When it was transferred it was current and not in default. I received monthly statements and understandable escrow reconciliation statements. When Ocwen took over the problems started. I never received a monthly bill or a payment booklet. If I did not receive an adjusted monthly bill due to an insurance or tax increase I would simply continue paying the same monthly amount. I then would get notices of amounts due with additional late charges. While some of my payments may have been late I know I have made each and every payment and am current. I am sure Ocwen has charges me late fees many times. They often called me or sent threatening letters. Consequently I requested on at least 2 or 3 occasions a list of all charges and payments on my account from the date Ocwen took over my mortgage in XX/XX/XXXX and XX/XX/XXXX of this year ( XX/XX/XXXX ). I was promised this list from the Ocwen representatives on several occasions. If I have such a list I can determine if Ocwen is correct or is mistaken. I have not received this list. Instead on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received a flurry of letters from Ocwen threatening foreclosure. I have not received an escrow reconciliation or bill so I am not sure of the correct monthly amount. I suspect Ocwen is paid a flat fee to service a loan but it can retain all or the greater part of late fees collected from the mortgagor. Thus it may be in Ocwen 's self interest to create all this confusion. I think Ocwen should be forced to send me a complete statement of account from day one and timely escrow reconciliation statements. In addition they should send a monthly bill with a clear explanation of when a late charge is assessed.
Consumer complaint received 2015-05-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (TN)

i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation
Consumer complaint received 2018-03-15
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. (MO)

My XXXX XXXX card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.
Consumer complaint received 2015-05-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Robinson, Reagan and Young PLLC (TN)

i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation
Consumer complaint received 2022-07-19
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. (CA)

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. 

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}, has violated my rights. 

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 1681x. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-28
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. (IL)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I thought that a collection can stay up to 7 years on my credit report. Now I found out that all my bad dept was removed after 7 years. This year their all show backup under a different collection agency. Some of them now on my credit report over 10 years. I think there is a violation under the fair credit act. It was created to give people the chance to rebuild their credit. Here is XXXX removed out my credit from equifax on XXXX. XXXX credit agency XXXX from XXXX in the amount of XXXX and removed by transUnion on XXXXXXXX. And this amount was put back on my credit report by XXXX on XXXX XXXX. And I have many more just like this and those all are medical bills.
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX I was in a car accident that resulted in my car being a total loss. My insurer requested a Letter of Guarantee from Ally Financial so that they would be able to send a check. ALLY requested an evaluation letter and a breakdown of the charges. The Insurer sent them the information that was requested in XXXX. Ally financial continued to delay ( Stating things were wrong on the evaluation even when things were sent over to them proving otherwise ) and did not respond to XXXX XXXX request for the Letter of Guarantee. Ally finally sent the letter of guarantee on XX/XX/XXXX and Ally received the check from XXXX XXXX on XX/XX/XXXX. Ally financial stated they are charging fees for late payments in the amount of {$720.00} and can not explain or show documentation of where these fees are coming from. I spoke with someone who claims they are financing fees but how can intrest occur on amount paid by the insurer. I have gap insurance which covered the reminder of the amount that was owed at the time of the accident ( XX/XX/XXXX ). I have reason to believe that ALLY Financial is defrauding the account. I and my insurer have tried to contact Ally Financial about this issue but continue to get transferred with no one telling us why these fees were assessed to the account. On top of that they did not tell us we owed any fees until XX/XX/XXXX. They also have reported to the credit bureau that I have missed payments and delaying my home buying process.
Consumer complaint received 2019-05-28
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. (IL)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-05-28
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)

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. XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX XXXX XXXX XXXX This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX XXXX XXXX. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.
Consumer complaint received 2017-09-25
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. (NV)

I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX XXXX XXXX XXXX This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX XXXX XXXX. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KS)

We were notified via email about paying our account before it was going to be " charged off '' on XXXX XXXX, that we had until XXXX XXXX to pay {$2300.00} to bring our account back into good standing but we paid over paid what was required on XXXX XXXX in the amount of {$2500.00}. 

We knew that our next payment was going to be on XXXX/XXXX/17 and we wanted to pay off the remaining balance so we called a week prior to mailing our check to get the remaining balance that needed to be paid off to close this account, to which we were told the pay off amount was {$12000.00} we were never told of any additional charges or interest that had incurred that only this was our final balance amount to pay off and close this account. The check was received prior to the date due which was on XXXX, the check was received on the XXXX. 

We just received a statement saying that we owe an additional XXXX and this was the accumulated interest on the XXXX that we just paid off. When I called today on XXXX XXXX to try to get clarification to find out why we were not disclosed of this information from the being and this was not disclosed at the time of our payout, I was told it was just poor timing on the day I called and that this does not count for the daily interest rate that accumulates until its paid in full. Again this was not disclosed to me when I called for our pay off. I asked to speak to a manager and see if there was a way that they 'd be willing to work with us since we have just given over 14,000 in the past 2 months. There was nothing she could do or no one she could have me speak with this was the way that it was and just apologized for my inconvenience, along with explaining to me over and over again how interest works and that I should have docent things differently in my plans to pay this off. 

This I find completely unacceptable. We have done everything they have asked and paid everything off and yet to be charged additional interest is absurd.
Consumer complaint received 2019-05-28
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. (IL)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2016-08-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

I have asked Caine & Weiner to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Transfinancial Companies, Inc (LA)

Transfinancial Companies has been reporting improperly on my credit reports on multiple occasions. After being asked to verify information of the debt the company provided me with the incorrect social information on the debt and the records of validation. The company then removed one of the accounts and left the other account on my credit report in the amount of {$940.00}. I have repeatedly requested that the company remove this incorrect account from my credit reports as it is not mine. The company also placed the same account in the amount of {$940.00} with the same account number as a new account on my XXXX  report as a new account with the company. As it stands on my XXXX  report I have two separate accounts for {$940.00} with the same account information and account number that has the incorrect social security number on them, verifying that the account is not mine.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I recently received the calls from Diversified Consultants, today at XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They're looking for a person named XXXX, not me. I try to call back but they'll forward to automated message and I don't want to spent time to fool around with a scam liked call.
Consumer complaint received 2018-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (CA)

I have been on XXXX since XX/XX/XXXX, I needed this loan to keep current with my bills after XXXX. The loan origination date of my loan is XX/XX/XXXX. I called XXXX today to check on on my loan balance and it turns out that after making every payment on time every 2 weeks for nearly a year I owe {$500.00} more than I borrowed. so I pay {$140.00} every 2 weeks, my original loan amount was {$3000.00} and I now owe XXXX this doesn't seem fair and due to my XXXX I am currently unable to work and these payments are strain on my ability to stay current with my other bills. Is there anything I can do about it. 
Please Help
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAINE & WEINER COMPANY, INC. (VA)

XXXX from XXXX debt collection agency called me XXXX month ago about a debt owe to XXXX XXXX. She told me they got the letter back which they send to my old address and asked for new address. She said they are going mail me the documents, but I never got the letter from them. Now they do n't want to send me any letters.
Consumer complaint received 2022-07-19
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. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Names : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : 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 XXXXXXXX Employer : XXXX Addresses : XXXXXXXX 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 Employer XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX