davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$400.00} COLLECTIONS XXXX {$4900.00} XXXX XXXX {$15000.00}
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC FRAUD - I contacted HSBC around XX/XX/2020 and INQUIRED about a mortgage forbearance but mentioned I did not need it at this time. I received a confirmation letter in the mail on XX/XX/2020 and did NOT sign it and emailed it to HSBC and let them know I did not need it. However, I found out around XX/XX/2020 that I was put on the forbearance without my knowledge. I have since called and emailed and have not received any information or response back. This was without my knowledge and HSBC should be reprimanded.
Consumer complaint received 2020-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

XXXX XXXX I received a letter regarding a forbearance plan but I noticed it stated that " As a result of not making of not making any payments during the term of the Forbearance Plan, you will become delinquent on your mortgage and your credit score may be impacted. '' When I attempted to make my XXXX payment the online was blocked due to a forbearance being placed on my account. 

I called XX/XX/2020 to inquire about the plan once the forbearance was over and the impact on my credit score and I was told my an agent with Freedom Mortgage Corp # XXXX that my credit score would not be impacted due to it being a " national disaster and pandemic ''. I then inquired about the repayment of the missed payments and she explained the different options but then explained she could not tell me the eligibility criteria and I would need to call in the middle of XXXX to inquire about which one I was able to take advantage. She told me I could speak with loss mitigation but she came back and they declined to speak with me. I asked her how I would be able to make an informed decision without information? She had no answers and loss mitigation declined to speak to me because she stated " they have the same information I have ''. I should not feel blind sighted by this mortgage company ; I should be given the options for repayment and and criteria to determine if this program is a good fit for me.
Consumer complaint received 2023-02-23
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. (PA)

Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
XXXX a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been shopping for cars for about a month and today XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however when my credit report came back, I was told that I didn't get approved at all because there were a few accounts in negative standing on my credit. I looked through my credit report and I saw two accounts on there that I never opened. The accounts are both from this company US BKPT CT CA XXXX. Neither of the accounts from that company belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts. I do not have any contract or agreement with those companies and I never gave them permission to access my credit information.
Consumer complaint received 2020-05-21
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. (FL)

I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX ( {$12000.00} XXXX XXXX XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX XXXX XXXX {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 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 2020-05-14
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$17000.00}
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

This is with regard to erroneous information that you has been reporting to XXXX  regarding the XXXX XXXX  account. 

First, you are reporting it as a repossession when, in fact, it was a voluntary surrender. Second, you also re-aged the account to make it appear as though the repossession had recently occurred, which had a negative impact on my credit file. This car was turned in back in XXXX and it is STILL reporting to my credit which it should not be. In accordance with the Consent Order # XXXX, Section V ( Conduct Provisions ), Paragraph 61.g.iv, issued by the Consumer Financial Protection Bureau , you are required to remove this information from my credit file with Equifax. 
It is showing the last paid payment is from XXXX and i did not even have the car in my possession since XXXX. The information of my credit report is false and needs to be removed.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, XXXX XXXX added a remark to my account that dropped my credit score 26 points ( XXXX  ) and 20 points ( TransUnion ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, XXXX XXXX removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( TransUnion ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
XXXX XXXX hasn't communicated with me at all.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2020-05-14
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. (MO)

Experian should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past had an account with XXXX XXXX. I have contacted the bank and they could not locate any information that this account belongs to me. This false reporting of an account that is ( 60 ) days late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (NH)

The Money Source told me over the phone multiple times that enrolling into their Home Loan Modification Program would not affect credit reporting. This got approved in XX/XX/2022. The trial payments started in XXXX of 2022. They filed Non Disclosed to the credit bureau as agreed from XXXX, and XXXX of 2022. Then randomly slapped a 90 day late tag in XXXX dropping my score roughly XXXX points. In contacting them about it they said that is not how it works and it wont be fixed, even if the employee who have you that information is incorrect we will not fix your credit report. So I confirmed if you are acknowledging your company gave me the wrong information, that person would simply be talked to, and you would still let my credit report be negatively effected they would still let my credit report be negatively effected they replied yes. I asked for the record calls to be reviewed, which they never told me they reviewed them. I can again to confirm if it was done days later and they said yes, it was deemed correctly handled. Yet they reviewed calls from XX/XX/XXXX. And all calls I requested to be reviewed at the start of the application process where back in mid XXXX, and they denied reviewing what I asked them to review. Im not having my finical reporting be jeopardized do to their negligence and in fairness absolute disregard and disrespect towards their customers well being. Attached Loss Mitigation timeline, and credit reports. Disputes have been made numerous times with all credit bureaus. But The Money Source just tells them the information is correct.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I have already made a complaint with the company Caine & Weiner each time they take it off my credit report then put it back on with a new date trying to pass this collection off as new debt on my credit report I do not owe money to this company nor have I ever signed any contract with them. This is not my debt nor do I owe money to the company they say I do. Please have this removed from my credit report and please make sure they dont add it back like hey have been doing every time I make a report. They are reporting false allegations towards me with wrong dates and amounts to a company I do not owe money to
Consumer complaint received 2020-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (MN)

ON XX/XX/2020, I CONTACTED XXXX XXXX XXXX ( NCA ) TO SETTLE THIS NEARLY XXXX XXXX XXXX ACCOUNT. ( AN NCA AGENT HAD PREVIOUSLY CALLED ME WITH A SETTLEMENT OFFER WHILE I WAS DRIVING SO I WAS UNABLE TO WRITE DOWN THE DETAILS. ) I CALLED NCA ON XX/XX/XXXX AND ACCORDING TO THE AGENT, SETTLED THE BALANCE OF {$370.00} FOR {$200.00}. THE AGENT STATED THAT SHE WOULD MAIL ME A PAID IN FULL LETTER BUT WAS UNABLE TO EMAIL THE SAME. 

ON THIS DATE, MY XXXX  CREDIT REPORT SHOWS THAT NCA UPDATED MY ACCOUNT ON XXXX XXXX TO REFLECT ( 1 ) A PAYMENT OF {$200.00} AND ( 2 ) AN OUTSTANDING BALANCE OF {$170.00}.
Consumer complaint received 2020-05-14
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. (MO)

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-21
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. (AR)

I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my report.
Consumer complaint received 2020-05-21
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 was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX  and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my report.
Consumer complaint received 2020-05-14
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. (AR)

I was trying to cosign for my daughter to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts
Consumer complaint received 2022-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I've reached out MANY different times in regards to 2 collections accounts being falsely reported by the credit bureaus from XXXX XXXX. I have made many attempts contacting the credit bureaus trying to resolve this matter because its simply inaccurate. I have NO idea who XXXX XXXX  is and I've reached out to them and they've stated that they can not give me information because I was unable to give them the correct personal information ( such as last 4 of my SSN ) attached to the collections account. If the last 4 of my SSN is incorrect for verifying the account to get more information then that would obviously mean its attached to the wrong person aka ME!! A representative from the collections agency said that it may be a mistake as well. I have a son with the same name that it may belong to. I've sent many letters to the credit bureaus regarding this matter and trying to correct it. Its been SEVERAL MONTHS that they are saying its under investigation. Its been WELL OVER 4-5MONTHS. They keep dragging this thing out and I've sent 5 different letters for each month. They've said it'd take 30days for a response and its been MONTHS! Its frustrating because I have a full-time job and when I reach out to the bureaus I get a LONG wait time, hung up on, or the same dam answer that its under review. I am getting exhausted trying to get this inaccurate information off of my report. Its UNFAIR how powerless I feel that I can not do anything about inaccurate information. It should be against the law to effect someones credit file like this with no consequences. AGAIN I have a son with the same name and this is not the first time that our information has gotten mixed up on our credit files. I will be in the process of attempting to sue the bureaus because of this. It disables me from being able to get the credit I know I am eligible for or if I do costs me higher APR 's due to these 2 collections accounts! This is UNFAIR! PLEASE HELP!
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
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: UHG, LLC (MO)

Debt was originally held with XXXX. 

XXXX transferred debt to : UHG I, LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX on XX/XX/2019. 

On XX/XX/2019 I recieved a message from XXXX and XXXX XXXX, a debt collector with website https : //XXXX/ and phone number ( XXXX ) XXXX. 

The voice message transcript recorded at XXXX XXXX from them to my voicemail was as follows : Hi yes I'm looking for XXXX XXXX, XXXX my name is XXXX XXXX Private Career so I'm trying to make contact with you in regards to some documentation they actually are legal documents I'm scheduled to issue out to you I a.m. scheduled out in the jurisdiction on Monday afternoon. Now because these are legal documentation that you will need to have a valid form of ID your signature will be required at the time of service. The office that has required the service they also do require that contact be made with you at your place of employment. Your employer will need to be notified of my attempts to make contact with you at work tomorrow. Questions, concerns or if you're not gon na be available or if you do need to reschedule contact the filing office as soon as possible at XXXX case number sir is XXXX On XX/XX/XXXX I contacted my attorney 's office this message left on my phone was a " scare tactic '' and that the lady who left the message was not a process server, nor was any legal documentation on file in my county or any other. Further more, their scare tactic to notify my employer was far outside of the scope of fair debt collection. 

I then, also on XX/XX/2019 contacted XXXX XXXX and XXXX to inquire about the message left. The lady who answered the phone refused to give her name, however after verifying my identity said that due to the outstanding XXXX debt, they are " serving me '' for fraudulent taking a loan and for " bad checks ''. Yet another scare tactic. 

I kindly asked them to not call me, but rather to contact my bankruptcy attorney XXXX XXXX at ( XXXX ) XXXX. I was told thank you, and that was the end of the conversation. 

XXXX and XXXX I believe to be an illegitimate attorney office, who threatens to notify employers, as seen in the transcript. They also pretend to be official process servers, and even threaten legal action. Very intimidating. 

I am in the middle of a Chapter XXXX, with XXXX being included as a debt to be discharged under bankruptcy, and the communications I recieved were very wrong.
Consumer complaint received 2020-05-14
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 was trying to cosign for my daughter to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

When interests rates went up around XX/XX/XXXX I made a few payment at the higher minimum requirement but after losing work I couldn't make those higher payments. I tried to talk to BofA, requesting the interest rate be lowered or the monthly payment be lowered but they didn't work with me. XX/XX/XXXX I continued to make payments I could afford but they were less than the minimum required. 

I received an email statement showing the balance owed on XX/XX/XXXX. Then on XX/XX/XXXX I received three emails, two stating " finance charge credit '' and one stopping ebills. I then received 1 more email on XXXX XXXX with balance due. 

I didn't hear from BofA again until XX/XX/XXXX when it was transferred to a collections agency. 

I have been trying to get information on why the " finance charge credit '' is not showing. I believe that the amount owed should be less based on these 2 emails but I can't get anyone to track down the reason the email say I received a credit on my account and yet no balance change.