davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS HAS BEEN UPDATED TODAY AS RECENT DAMAGE! UPDATED INFORMATION XXXX XXXXXXXX CONTINUES TO POST FRAUDULENT HARD INQUIRES ON MY TRANSUNION AS OF RECENT UPDATE FROM MY TRANSUNION CREDIT REPORT TRANSUNION CONTINUES TO REPORT UNAUTHORIZED HARD INQURES! 


15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681sXXXX ( A ) ( XXXX ) Aperson 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. 

FRCA 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604A Section XXXX also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen L. Bruce, P.C. (OK)

Date XX/XX/XXXX Amount : {$15000.00} Actions : Summons from, The District Court of XXXX XXXX, State of Oklahoma. 
Plaintiff- XXXX Filed : XX/XX/XXXX Attorney : Stephen L. Bruce XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  has been handling my debt consolidation since XXXX, XXXX. They reached out to XXXX and Attorneys office with no response from either. I have been paying a large sum of money monthly to XXXX XXXX, XXXX XXXX XXXX who has been negotiating a settlement. Now XXXX wants the full balance due paid in full.
Consumer complaint received 2021-07-30
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. (TX)

On XXXX XXXX I contacted EXPERIAN XXXX & other companies displaying on my credit report TO DISPUTE ITEMS OFF MY CREDIT REPORT DUE TO FRAUD THEY HAD 30 -45 days to remove any negative items they did not they continued to report fraudulent information on my credit report including DEBT, inquiries that I did not consent of I then contacted them certified mail to remove all inquiries and items from my credit report ASAP sent all documentation to prove my identity they did not remove items at all this is unacceptable my concern is to remove all negative debt items and in consent inquiries off my credit report ASAP
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (OK)

I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party XXXX XXXX XXXX and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (OR)

I got a credit card for {$300.00} and they put my credit in the XXXX points for a {$300.00} credit card that just does not seem right
Consumer complaint received 2022-12-30
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. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX  Balance : {$0.00} ; 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 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am raising a complaint regarding the unauthorized use of my credit report and the presence of fraudulent inquiries that persist despite my repeated efforts to resolve this matter. I have already submitted an FTC Identity Theft Report, which confirms these inquiries were made using my personal information without my consent. While the fraudulent accounts opened as a result of these inquiries have been closed and removed, the inquiries themselves remain on my credit report. This ongoing issue violates my privacy and continues to harm my credit profile. I have provided all necessary documentation, including the FTC report, to support my dispute.
Consumer complaint received 2021-02-01
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview Loan Servicing , LLC has granted covid relief and granted deferments. During this time frame they have also reported lates to the credit reporting agencies. I have made several disputes and this remains unchanged. If the business has agreed to offer extensions and no minimum payment is due, why are they reporting lates? I have 3 letters stating that during this time no payment is due.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX, I opened a line of credit through Wells to purchase a mattress through XXXX XXXX See XXXX XXXX Per the agreement and as indicated on XXXX. I, payments were to be made in XXXX equal payments of {$97.00}. I made my first payment of {$98.00} on XX/XX/XXXX, and My Second Payment of {$98.00} on XX/XX/XXXX, See XXXX XXXX 
On or about XX/XX/XXXX, I received a notification saying I was late on my payment despite having paid it on XX/XX/XXXX. Subsequent to that payment I made my payment for XXXX in the amount of {$110.00} on XX/XX/XXXX XXXX XXXX. XXXX XXXX called Wells on XX/XX/XXXX and spoke to a representative at XXXX XXXX central time. After going back and forth with Wells and informing them my bank records indicated payments were made on time, they said that they saw the payments in question in their system, but that they received the payments too soon and that the payments were not applied/didnt count for that month. I was told they would adjust my previous payment ( XXXX ) to reflect they were indeed made XXXX XXXX. XXXX XXXX late fee of {$29.00} was refunded for XX/XX/XXXX. 

On XX/XX/XXXX, I again made a payment to Wells in the amount of {$100.00}. On XX/XX/XXXX, I received a Notice attached hereto as XXXX. XXXX, indicating I was late making my XXXX payment. That same day I spoke with a representative who would only give me the name XXXX, at XXXX XXXX XXXX XXXX I went over my bills with XXXX and she again checked her records. She indicated again that my payment was received too early. I informed her my payments were timely and per the agreement they were 24 monthly payments ( give or take ) depending on the minimum I pay. She agreed with me that it did not seem right that Wells was flagging me but that thats how they operate. 

On XX/XX/XXXX, I received my monthly statement from Wells and noticed that despite paying my XX/XX/XXXX payment on XX/XX/XXXX, and speaking with XXXX to again fix Wells oversight, I was charged a late fee of {$29.00} on XX/XX/XXXX See XXXX XXXX  Subsequent to my XX/XX/XXXX payment I made a payment for XXXX on XX/XX/XXXX, in the amount of {$100.00} See XXXX XXXX 

Since this account was opened on XX/XX/XXXX. A payment at or above the agreed upon minimum monthly payment has been made to Wells in a timely manner. For these reasons, I am filling a formal complaint against Wells for unfair and deceptive lending practices.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

I am submitting this complaint as a Housing Counselor on behalf of the Homeowner 's family : The Estate of XXXX XXXX. I am working with his wife XXXX and his daughter XXXX. XXXX 's email is : XXXX. Please include her with responses. 

XX/XX/2021 XXXX offered a permanent modification for the mortgage post COVID XXXX The 3 trail payments were made ; the first payment was made w/ funds from the suspense account + a phone payment. The 2nd 2 payments were made via phone payments. The permanent modification was not complete. The loan was transferred to Freedom XX/XX/XXXX, XXXX Freedom has not acknowledged the perm modification, although we have discussed and they have provided a payment history that verifies payment.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My report is showing a XXXX XXXX credit card that was open in XXXX account number XXXX. It has several late payments and was charged off and closed in XXXX. However, I was incarcerated during time thus just making this fraudulent. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2021-02-01
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. (FL)

There are several inquiries on my report that I did not authorize on my report : 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 used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXXXXXX XXXX
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I sent XXXX, Transunion, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.
Consumer complaint received 2021-02-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I disputed a lot of inaccurate, incomplete and repetitive information and the credit bureaus haven't answered me in 35 days and still reporting those items
Consumer complaint received 2022-10-08
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. (TX)

Unreconized credit inquires i did not allow are the following 1. XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

On XX/XX/2020 at XXXX XXXX  EST I submitted a money transfer of {$500.00}. There's was an era with the spelling of the recipient name.. MoneyGram asked me to cancel that transaction and submit a secondary transaction. MoneyGram policy clearly states that all refunds are made with 3-10 business days. I waited that period of 11 business days. I was never refunded my cancelled amount of {$500.00}. I contacted MoneyGram on several occasions and was told that my refund was being processed. After numerous calls finally someone from MoneyGram told me that the refund was processed within 24hrs of the cancelation. That's totally false i have no records of such a transaction my bank has no records of that transaction.

Reference NO : XXXX {$500.00}
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IN)

Have been attempting to contact NCS for 2 years ( XXXX ) regarding the collection on my reports. It is a high amount and I do not owe money to the previous company. I requested multiple times for verification and the company only sends me a new bill with a new dollar amount owed. My recent request for verified contract and signatures, they sent me a new bill of {$2800.00} instead of {$4300.00}. This account is causing me financial distress and can not get a home loan until it is properly removed. I do not owe this company or the previous owner money. There was no contract and no evidence of ownership. Attached below is letters requesting ownership and proof of collection. NCS was sued in XXXX  due to not providing proper information or amounts to clients struggling with their company for FCRA requirements.
Consumer complaint received 2021-02-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

The Department of Education/NELNET is showing that I have 6 late payments, not sure why it's showing that I have 6 late payments when I am in a repayment plan. I've called the Department of Education/NELNET and asked them about this issue and was told that they did not see any late payments that my loan was showing current. Please remove this immediately because it is causing negative marks on my credit report.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (NC)

Online Information Services ( collection agency ) and the original creditors, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is reporting inaccurate credit information. I have sent out several letters requesting an itemized summary of an Eviction Charge of {$1000.00} that is listed on the Household Moveout Accounting Activity Report. This document was first mailed to me XX/XX/XXXX after I moved from the apartment on XX/XX/XXXX. Another Household Moveout Report was mailed to me XX/XX/XXXX after disputing the eviction charge, late fee charge, carpet stain removal charge, and the owed rent amount. As a result the rent amount was reduced and the tile/floor stripped/waxed fee was removed. I am requesting an explanation as to how the company came up with an eviction charge of {$1000.00}. I was included in a lawsuit that was filed against XXXX XXXX XXXX XXXX XXXX XXXX ) and several other landlords across North Carolina. They were accused of charging tenants illegal eviction-related fees simply for filing an eviction complaint. As a result on XX/XX/XXXX I was awarded a settlement payment as an approved claimant in the court- approved class action settlement Wright v. Palmer Green/Duggins , LLC , in the General Court of Justice , Superior Court Division XXXX XXXX XXXX, North Carolina, Case No. 20-CVS-487. I believe the eviction charge is incorrect and may be even illegal charges filed against me.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX XXXX  XXXX, Account XXXX XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account 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
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've tried several times to place a security freeze online with TransUnion and to get my free credit score, however, the online site is usually unavailable or my information doesn't match the inaccurate information in my credit file. 

This is another gross manipulation by Trans union in deterring how they choose to govern consumers credit file, which violates my fcra rights. 

You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit ....

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2022-09-26
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. (IN)

I co-signed on a vehicle. During the last week of XX/XX/XXXX I was notified that there were 3 missed payments on the account. Once I heard there were 3 missed payments I went into XXXX and submitted a payment on XX/XX/XXXX for the 3 missed payments plus XXXX 's payment in the amount of {$1200.00}. The monthly payment amount is {$300.00}. 

Payments following have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. XXXX is reporting the account as not current/missed payments for every month since XX/XX/XXXX. This has dropped my credit score by nearly XXXX points and they will do nothing to report this information correctly. I am not question 3 payments were missed by the party I co-signed for but I have email from a representative from XXXX stating the account is now current and that they would only report 2 missed payments on my credit report which they have not done. XXXX is showing 8 missed/late payments on my credit report and that the account is not current.
Consumer complaint received 2022-07-22
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX  XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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