davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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. (PA)

To whom this may concern, my name is XXXX XXXX, this statement is being composed by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TX)

I have been making regular payments to Merrill Lynch since the inception of my loan back in XXXX. In the XXXX - XXXX time period Merrill Lynch voluntarily paid my ad valorem taxes. The first time this took place I simply paid in a lump sum of over {$21000.00} to pay them back. The second time they began to charge me escrow payments of approximately $ XXXX/month which was fine with me. However they misapplied the phone several times. There were times when they told me a payment was not due and they would return funds to me. This confusion cause them to miss appropriate payments in such a way that they turned me and to the credit bureau for making late payments, however I followed their instructions the entire time. For example in XXXX of XXXX I made XXXX payments in one month at their request. In XXXX I also made XXXX payments at their request so I should 've been " ahead ''. Additionally in XXXX I made them a payment of {$21000.00} to pay for the taxes they had paid. Also during XXXX they applied a payment into a suspense account rather than as a XXXX payment. I spoke with them in XXXX and made XXXX more payments. They told me I forgot to make a XXXX payment and at first I assumed perhaps they were correct until I went back and checked my records. I had made XXXX payments in XXXX and they applied XXXX to a suspense account - perhaps because the XXXX payment was not technically do yet I am not sure. I sent them detailed information explaining that their error in reporting to the credit bureau has caused my credit score to be reduced to a point that I can not refinance my home. I received a brief letter saying that they had done their research and felt like they were correct. This is causing me a major problem. Nobody will refinance my house with this credit score of XXXX. I have been told by a credit consultants that the Merrill Lynch blemish is causing my score to be reduced by XXXX to XXXX points. what is the most frustrating part, is nobody will explain exactly where they think I have missed a payment. They simply asked me to produce a copy of my credit report and information on why it needed to be corrected.
Consumer complaint received 2019-02-21
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. (GA)

This letter is a formal complaint that Equifax is reporting inaccurate credit information on my credit profile after I have submitted numerous disputes via mail, phone and online and provided documentation proving the information is inaccurate. I am very distressed that Equifax has continued to include inaccurate information regarding XXXX XXXX on my credit profile due to its damaging effects on my good credit standing. I am sure they are doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle when applying for a home loan.XXXX  XXXX XXXX is Auto Loan opened in XX/XX/XXXX the car was deemed a total loss and covered by GAP insurance. You are reporting on a payment on XX/XX/XXXX and also on XX/XX/XXXX the account was charged off which is incorrect. The account was charged off on XX/XX/XXXX. There has never been a payment made on this account since XX/XX/XXXX. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed or updated correctly ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Account Number : XXXX Also they are continuing to report an account from XXXX XXXX XXXX that the creditor deleted and reported to Equifax on XX/XX/XXXX. The online dispute service they provide on-line rarely works.
Consumer complaint received 2024-02-15
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Delinquent account — 
Company: Receivables Performance Management, LLC (TX)

I did not know the category to select, but this seems to be the best fit. I do not owe anything and I constantly get calls from XXXX XXXX XXXX XXXX. They do n't want to tell me the company name and thick accept that it is difficult to understand what they are saying. The call very often. They are very persistent. If you call back they know who is calling ( your name ). 
I think I controlled the situation by calling them back multiple times back to back. XXXX reports this number as a fraudulent collection agency.
Consumer complaint received 2024-02-09
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: EQUIFAX, INC. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; 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
Consumer complaint received 2020-08-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Auto Trakk, LLC (PA)

Auto trakk never followed the law when it came to my voluntary repossession. I never received an intent to sell, I didn't know the location of the car or anything. I don't believe the amount on my credit report is accurate at all. Also, the account is closed and the last 2 months ' payments were updated as payments made., which I never made a payment. I believe they're doing this so the time of starts over. I've disputed this account 3 times for inaccuracies.
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. (NM)

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.

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.

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 2015-10-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Back on 2013, XXXX XXXX XXXX issued a XXXX for {$13000.00} which we completely reported to IRS and paid the tax on this amount. XXXX XXXX XXXX reported this amount to the credit bureau as negative and di not want to close this issue. As the result of their negeligence and misrepresnation, we were not able to secure many loans. We have sent many letters and communications to this company and as of today, they refused to provide us with anything in writing that this account is closed and paid.
Consumer complaint received 2022-02-04
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. (WI)

I received an offer letter to resolve a past due balance on a totaled vehicle with XXXX XXXX XXXX. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. XXXX has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all XXXX major credit agencies, and XXXX has refused to update and correct the incorrect information currently shown each time. They went so far as to update my TransUnion report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MT)

I had auto insurance through XXXX XXXX and canceled XXXX years ago, and now this credit collections company says I owe them money and are trying to collect. I do not owe this company money and would like them to stop sending me letters and calling!!
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX had an offer to check for a mortgage refinance with XXXX XXXX  by XXXX XXXX. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by XXXX XXXX. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.
Consumer complaint received 2015-10-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The company ( Portfolio Recovery Associates , LLC ) is constantly contacting me about my debt I have with them. I 've already spoken with them about the debt and told them I would handle it as soon as I get time. And this was several months ago! I 've also had the same iusses with this particular company in the past. Even after I spoken with them, they keep calling me, sometimes ( XXXX to XXXX ) times a day a week! Also not only have they been calling me from their business here in my own ( state ), but also been having their other companies they have in ( other states ) do so as well! I 've even had to change my phone number because of them. Their promoting unfair pratices, I do n't know if it 's because of the ( money ) or something else. But it 's become a serious issue not only for me but also for my mom, who they are now doing the same thing to. I 've ask them to stop and they wo n't. I 've told them once that I would do this, but i did n't thinking they would change and represent their self as better. The debt I have with them ai n't even over ( {$1000.00} ) I think. And I do n't how much my mom 's is, but I know it ai n't that much for them to be contacting us the way they do! And this is why im filing this complaint with you today, Thank You.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have an account at Citizens bank. My XXXX  XXXX  daughter was having marital problems. She had worked for many years and all money was joint with her husband. She wanted some financial independence. I added her to my account with a checking account in her name. Like all checking accounts I have, I told the bank that I did not want overdraft protection, meaning if the money is not in the account, don't pay out any debts. She was fine up to last week. She became involves with someone on line, there was some type of fraud and mine and her accounts were closed and about XXXX XXXX XXXX dollars was taken from my account. I found out about this last Friday XXXX XXXX at XXXX and that I had an appointment at the bank at XXXX. I withdrew any remaining money in my account. I have trouble communicating with my XXXX XXXX daughter. Monday XX/XX/XXXX, I went to make a police report and she refused to come saying I was jumping to conclusions. She did give me information about her friend which I gave to the police. 
I looked at her checking statement and was overwelhed with numerous transactions I do not understand. I asked the bank rep how can a person who has a daily average balance of XXXX XXXX and XXXX dollar lose XXXX XXXX. What if it was XXXX or a XXXX
Consumer complaint received 2020-10-16
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. (AZ)

In two separate instances this year ( XX/XX/XXXX and XX/XX/XXXX ), whenever I pay out a big chunk of my credit card balance by more than a XXXX dollars, the actual credit score is lowered instead of increasing. The reason stated in the credit report is that I lowered my credit card balance! The amount of points lowered are important, 7 and 10 points, respectively. All the other reporting agencies actually increase my scoring by similar scoring points, 7 to 10 points in each case. I think there is something wrong in the programming of this values. What is the purpose of reducing a big chunk of my balances if the credit score will be hurt by it?
Consumer complaint received 2015-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (TX)

I am trying my hardest to keep this XXXX loan account and not behind - I make payments monthly, unable to always make the full payment as I am also making payments on my other private loan accounts. XXXX is telling me there is NOTHING - NOT ANYTHING they can do to help me out at all with lowering these monthly payments. I have called XXXX of times and spoken to nearly every department and explained my situation and have gotten nowhere. I am told over and over again that because it is a private loan, they ca n't do anything about it. 

From my understanding, XXXX XXXX XXXX actually owns the loan and XXXX is the organization managing it. The loan information all comes from XXXX.
Consumer complaint received 2020-10-16
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. (AZ)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, and TransUnion has XX/XX/XXXX and XXXX  Has NOTHING!. Please tell me how this information was verified by the same creditor but still report inconsistently across the three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account name : Dept XXXX Account # XXXX Account name : DeptXXXX Account # XXXX Account name DEPTEDXXXX   Account # XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc. (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc. (TX)

Person identifying self as XXXX XXXX with " Lending Tree XXXX XXXX '' attempted to gain access to my online banking information. When I found the supposed email he sent to me regarding a loan request, he stated that he saw I had 'opened ' the email ( no read receipt was sent ). I reviewed the email and found multiple descrepancies with the formatting, spelling and punctuation layouts. The attached PDF file was very obvious that he was attempting to scam me, and I had already given him routing/account information for XXXX and my debit card information. I disconnected the call immediately and proceeded to freeze my credit on all three reporting bureaus and locked my debit card immediately and moved money from my bank account to another account.
Consumer complaint received 2022-02-04
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)

XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

JPMC ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.
Consumer complaint received 2020-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A