davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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. (CA)

Tenant from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXX XXXX  XXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account.

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. XXXX did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. XXXX is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.
Consumer complaint received 2021-07-15
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. (KY)

I recently received a copy of my Transunion credit report and noticed that several inquires were made without permissible purpose, i contacted Transunion on XX/XX/XXXX and was told they would be removed, but they still remain. 



To whom this may concern, I am writing to request the removal of unauthorized credit inquiryXXXXinquiries on my Transuion credit report. I recently retrieved my credit report and it showed 5 credit inquiries that I have no knowledge of ever authorizing. 



I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX VISA XX/XX/XXXX
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I purchased a home in XX/XX/2019 and I obtained a loan that Shellpoint Mortgage became the servicer for ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2019 I called Shellpoint to notify them that I had canceled my insurance and paid for it out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. Shellpoint required me to send in an email with all the verification to show. I did so on XX/XX/2019 and Shellpoint responded verifying that they received the email. In the email, they stated that they would review and correct the issue. Since then I have called several times and spent hours on the phone with them trying to get Shellpoint to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 105 days since my request in writing and 74 Business days since. I would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. 

Thank you, XXXX XXXX XXXX XXXX Shellpoint ( LOAN # XXXX
Consumer complaint received 2022-07-25
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: Maximus Federal Services, Inc. (IL)

Department of EDXXXXt violated the United States Code Law. As detailed in 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AR)

My first card was NEVER received. I called in to find out Id had fraudulent check deposits in my account. I was giving no option to bring it current by enabling my deposits and I was also not given the opportunity to report this as FRAUDULENT.
Consumer complaint received 2020-08-25
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. (OH)

The following accountS are incomplete account and can not be verified and there is not CREDITOR listed, please DELELTE ASAP. 

# XXXX {$330.00} # XXXX {$25.00} # XXXX {$18.00} # XXXX {$9.00} # XXXX {$0.00} # XXXX {$100.00} # XXXX {$61.00} # XXXX {$78.00} If necessary please validation of debt as well. 

I have attached pics of the missing information in addition to the credit report as well. Please delete ASAP.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-25
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: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Earlier this year, 2021, I was bombarded with anonymous phone calls to my home with demands for payment for an overdue bill from a company identifying itself as XXXX XXXX XXXX. I repeatedly requested that they send me paperwork to validate these claims. But, I received nothing in print to verify this company 's claim. I can prove that I have received nothing from this company as my room mate has USPS photo monitoring of our address. If they refuse to validate this claim, how am I to know if they have a valid claim. Just recently, when I attempted dispute this claim via XXXX XXXX, Transunion dropped my credit rating from XXXX to XXXX! How can they do this if the XXXX XXXX XXXX, XXXX.refuses to validate their claim? Through XXXX XXXX I keep a phone log, but XXXX XXXX XXXX XXXX XXXX doe not identify their calls. How am I to know that their calls are not from scammers.
Consumer complaint received 2021-08-10
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: Collection Professionals, Inc. (SC)

I have tried to contact them and they didnt respond. I dont know whos address it is they was sending the personal mail to and have listed on file. Its impacting my credit report and stopping me from applying for a house. Ive called the company and they didnt resolve or give me a reason for anything. Account balance {$110.00}
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IL)

On XX/XX/21 I received an email from Ace Cash Express. They say I owe money, Ive never heard of them before. They threaten me with a law suit and to go to my employer, unless I send them money today!! 
I told them via email that I need to see a validation of this.
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX/2021- XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines
Consumer complaint received 2021-09-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

My Family and I were affected by the XXXX Pandemic and during that time was unable to keep up with the monthly payment. I entered into forbearance in XXXX and continued that program until XXXX. We began to make payments on the account and contacted the Customer Service team regarding errors in the information we were provided and inaccurate reporting to the Credit Bureaus. Those issues were resolved and we began the Loan Modification process. We provided all the documents request and awaited their response. We received an approved Loan Modification but we were advised that a penalty APR or fee would be applied to our loan for about $ XXXX to $ XXXX. This was assessed due to the 10months that we did not make a payment during the COVID forbearance period. It is very misleading and a predatory lending practice to not disclose that a fee of almost $ XXXX will be assessed while we were in the toughest time of our lives, dealing with the XXXX  and lost of family members due to XXXX. I feel like we are being taking advance of in this situation and have been treated unfairly.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

This complaint is in addition to an already filed complaint. 
Original complaint # : XXXX. 
Original complaint synopsis ; I opened an account with TD Bank online and provided all necessary information. An account was opened and I received my debit card and all account numbers. I could not set up an online account access. The company informed me I must take I.D . to a physical branch in person to finalize process. There are no physical branches within 140 miles of my home and I do not drive. The bank transferred my initial deposit from my primary bank. I can not close the account without first presenting I.D . in person. 
New complaint. 
I received my monthly statement on XX/XX/2020. I have attached a copy. My initial deposit of {$50.00} has been reduced by {$16.00} in monthly fees. I have no access to this account yet they are deducting whatever they want until there is nothing left. Now I have {$34.00}. They have not responded to the initial complaint as of this date. I am having emotional distress and am forced to file a lawsuit if no satisfactory resolution occurs.
Consumer complaint received 2022-06-10
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. (LA)

I XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : Experian : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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)

a secondary agency reported a bankruptcy to my Transunion credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (NJ)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-08-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2021or around that day I sent via Certify letter to Regional Acceptance Corp a Request of a 1099 C debt cancelation form because They are reporting a car repossesion of a XXXX XXXX XXXX  and acording to the XXXX  and XXXX  Regional Acceptance Corp is reporting an inaccurate and measleding and imconplete Information of US {$11000.00} and on the XXXX  file Regional Acceptance is reporting another inaccurate and measleding Amount of US {$12000.00} wich is a violation and this trade line must be removed or delete immediately from my credit report furthermore today XXXX I received a letter from Regional Acceptance Corp where they are sending me another different Amount of US {$9600.00} wich is another inaccurate misleading and incomplete violation
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (PA)

My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning Southwest Credit Systems with the original creditor being XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. A few weeks back after being denied an auto-draft loan by my bank & being told Southwest debt was a matter that needed to be paid and proof of the settled debt which was on my credit report needed to be provided as support. I reached out by telephone on or about XXXX or XXXX. I inquired about the amount owed and what I saw on my report that needed to be settled & informed them that a family member would be paying the full amount requested. I was asked if the individual could pay by credit card and I said I am thankful to receive and remedy this matter but I would not or could not tell my family in what form of payment to use. I was grateful for the offer. I was provided with a ref # for the matter XXXX and provided with a mailing address of Southwest Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX. My family immediately mailed a check out in the amount of {$520.00}. Southwest was informed of what was mailed out and I was instructed to check back in a week and I also inquired about when I would be receiving a paid off letter. I was asked for my personal not work email and was told my zip code would be my password to access the paid off notice. I have been reaching out requesting and reaching out only to be told the check was not received. It was mailed from XXXX going to XXXX, Texas & not by pony express. I resolved another matter like this around the same timeframe and the payment went to California, was received & processed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. I was told to keep checking. I have been seemingly been getting the run around. I've spoken to several individuals to no avail. One name I remember was XXXX XXXX, & now today XXXX I was told by a manager that the account was taken back by the original creditor ( XXXX ), which made no sense at all to me because I contacted XXXX before reaching out to Southwest and was instructed to call Southwest. The manager without any care or concern in her voice was useless!. I know I am spelling that XXXX  name incorrectly but the managers name was XXXX. I can be reached at ( XXXX ) XXXX Thank you in advance for any assistance that you can provide with this matter. I asked what happens to the check my family mailed out that they are alleging they did not receive? Also, what happens to Southwest Credit Systems sitting on my Credit report? Should I retain counsel regarding these concerns? 

Thank you in advance for your assistance with this matter. 

KE