davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes your company policy. 15 USC 1681c-2 establishes what I, the consumer must provide you.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

My Apple Mastercard, a product of Goldman Sachs, is showing the incorrect balance on my credit report which is adversely affecting my credit reports. The balance has not been updated since XXXX Yet, we are now completing the first week of the XXXX XXXX XXXX. This is not the first time Apple has proven negligent in correctly reporting my monthly credit card balance.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-06-11
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. (GA)

Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on Experian, XXXX, and XXXX. It was list twice on all 3 bureaus. I disputed them and XXXX and Experian removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. 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 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian XXXX and XXXX, Possibly all XXXX are reporting Public Record from XXXX and XXXX year XXXX from 2011 While my credit report shows no public record. 
However despite report reflects no public report. 
See attached copies of other sections on Experian website that reflects I do have derogatory public date report. 

Therefore on the same report. There are examples below of contradictory reporting from online Website reporting. 

What is regulatory guidelines for inaccurate contradictory reporting? I hope CFPB can help me untangle these problems so i can regain my goid credit held prior to divorce.
Consumer complaint received 2022-01-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Heloc from XXXX countrywide home loan, that Bank of America took over CW complete portfolio during the Great Recession. BOA claims that they transferred the Heloc to Real Time Resolution in XXXX.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2022-03-11
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. (TX)

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of EDXXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX  XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2021-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, on XX/XX/2021 Carringtom mortgage services LLC informed me about the quote of new home Insurance, and the new mortgage analysis of $ XXXX, they told me that the old Insurance went up, so I called them back to remind Carringtom that I have 30 days to keep the old home Insurance or if I get a new one, on XX/XX/2021 I informed Carringtom that I changed the new XXXX XXXX, so they fixed and informed the new analysis of $ XXXX, so on XX/XX/2021 Carringtom change the mortgage house payment again they increase the analysis to {$400.00}, this time Carringtom says that because the house is in flood risk, after I investigate on FEMA web site ( Documents attached ), my home address is NOT in flood risk area, XXXX XXXX  XXXX XXXX Tx. XXXX. Since XXXX mortgage  bank transfer the loan to Carringtom, I have to file a complaint against this company, and on 2021, on CFPB I already filed 3 complaints against Carringtom, last complaint # : is : XXXX. 
I'm XXXX  and tired of this mortgage company,
Consumer complaint received 2022-06-11
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)

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint of any kind. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Transunion does not have any permission or consent from I the consumer to furnish a consumer report.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( XXXX, XXXX and TransUnion ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Consumer complaint received 2022-06-11
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. (PA)

When i checked my credit report on XXXX XXXX, i found inquiries I didn't authorize, so I called transunion and told them what was going on, but they did nothing, they didn't even put a fraud alert on my account I would like transunion to do better when it comes to protecting their customers ' account and information.
Consumer complaint received 2022-06-11
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. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX {$97.00} They didn't include an acct # In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC sect1681 .

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Date : XXXX -- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX Capital One/Walmart P. O.Box XXXX XXXX XXXX XXXX UT XXXX XXXX Date : open : XXXX Amount : {$390.00} Account No. XXXX I demand this debt to be taken off my credit like they said they would. It's not mine and if it's not off I will file a complaint with Attorney General '' s.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

Disputed this collection on my report from Amshercollectionservices For the amount of {$2800.00} This is from a Busniess account that is not associated with me in any way nor do I work for this company. I have disputed this last year in XXXX and it was removed and than placed on my account this year in XXXX. I havent sent several letters asking them to remove this from profile and have not received any letters back in regards to this account.
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (CA)

I applied for a loan on online XX/XX/2019 with ONE MAIN FINANCIAL and received an Approval for two types of loans {$11000.00} secured, {$6200.00} unsecured. I received an email from a local branch in XXXX CALIFORNIA. I called and someone ask can she call me back later she had a customer at her desk. I received a call from XXXX three hours later and she ask me a lot of questions which was fine, but I started feeling like she was stereotyping me. XXXX ask me to upload my Check stubs verification of income, Drivers License, and Bank Statement for proof of Residents. The next morning I upload all the information she request and she called me back 30 min later and said we can't approval your loan, because we can't verify your income ... I said how did you try to verify my income than she will we look at your bank statement and then a said I have Three bank accounts, you told to just a Bank statement for proof of Residents.. I ask to speak with the Manager XXXX XXXX and she said hold and then came back to the phone and said he is busy and that I can call corporate, because they are the one who made the decision NOT TRUE!!!! I work for the XXXX XXXX XXXX XXXX, AND A XXXX   XXXX COMPANY. MY CREDIT IS GOOD NO LATES, NO COLLECTIONS, NO JUDGEMENTS. THIS WAS A CLEAR CASE OF ME BEING XXXX AND THEY WERE XXXX.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I was given a private institutional loan from XXXX XXXX  called a XXXX XXXX loan in the XXXX  of XXXX XX/XX/XXXX. The amount was {$10000.00}. I filed for bankruptcy and it was XXXX on XX/XX/XXXX. This debt was included in the discharge. It is not a federally backed student loan. They continue to report this debt to the credit bureaus. I am attempting to buy a house and use a down payment assistance program. The account continues to show in collections and they will not remove it. I have contacted XXXX and the collection agency they sold the debt to, XXXX. This is the response that I get from XXXX The consensus that Ive found concerning your loan is that it is not dischargeable. It is covered under 11 US Code, section 523 ( a ) ( 8 ) ( B ). So, I will not be able to write a letter to your bank about any change in the loans status. If you have any questions, please let me know.
Consumer complaint received 2020-05-17
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: ENCORE CAPITAL GROUP INC. (RI)

Midland and XXXX XXXX XXXX XXXX is both reporting an account as late 120 days yet there is no late remarks at all. This is absurd and incorrect.
Consumer complaint received 2022-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Checked my credit report and found Wakefield and associates had reported a negative account on my credit without contacting me this is the first time Ive heard from this company. Called them Tuesday to inquire about this and all they said is I owe XXXX for a emergency room visit I told them I thought my insurance paid the debt and they told it was on me to do the leg work about this debt also I thought it was improper use of my credit to post this without my consent
Consumer complaint received 2020-11-02
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. (GA)

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, Experian, XXXX and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.
Consumer complaint received 2021-08-04
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. (AL)

Account password media getting locked out and password media changing without notice. Attempted to call and keep getting hung up on it phone call drops unexpected it they can't hear me nor me best them but phone line still be going, something fishy if going on repeatedly wrong with my personal info and contract numbers I have never seen or old numbers as point of contact for present now. The more I dispute, they move changes spear of a different problem, being strung out over the course of going on ( 2 ) years now, and have completely taken over my company credit and my entire life.
Consumer complaint received 2022-12-19
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (WI)

This company called me after 3 weeks that I kept asking to speak to a supervisor because I reported them to the XXXX. Their response stated that XXXX has sent me the payoff request which is XXXX  and has absolutely nothing to do with the HUD lien put on my house because of the COVID19 forbearance plan. So again, I am asking WHERE DO I SEND YOUR XXXX MONEY SO YOU CAN REMOVE YOUR XXXX LIEN OFF OF MY XXXX XXXX HOUSE!? Why are you companies so corrupt. I am trying to pay this back EARLY so my mortgage is clear! I was told I would be contacted today and their response is some XXXX  again. I NEED TO PAY THIS XXXX BACK!!!!!!!!!! GIVE ME A XXXX LINK where I can transfer you the money and clear my mortgage!