davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
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. (OH)

I was denied for a home refinance loan this summer because of a negative item on my credit report from XXXX XXXX XXXX. Around the same time this happened, my husband started receiving calls from a debt collector on behalf of XXXX XXXX XXXX. Until that point, we had never even heard of XXXX XXXX XXXX. 

I have tried calling XXXX XXXX XXXX multiple times, but their phone IVR system makes it nearly impossible to talk to anyone if you dont have an account number and pin. When I was able to get ahold of someone XXXX XXXX XXXX, she confirmed that two fraudulent accounts were opened in my name at a bank branch in XXXX. I live in OH and have never been to XXXX. XXXX said she filed the fraud claim on the credit card account that was opened, but I would need to call a different number for the other account ( retail credit line ), which was the account that had charges on it. 

I talked to multiple people at 4 different phone numbers before talking to someone that told me she filed the claim and that someone would call me within 24 hours. That was nearly two weeks ago and I havent heard from anyone. 

I have also disputed this with Trans Union, but they did not do their due diligence as is required by law. I filed a 2nd dispute that was never finished by Trans Union also. This was before talking to XXXX XXXX XXXX.
Consumer complaint received 2020-12-22
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-21
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-05-15
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. (MS)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX  ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent XXXX XXXX  6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- XXXXXXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that XXXX XXXX recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT
Consumer complaint received 2020-12-22
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: LEXISNEXIS (FL)

I initially filed complaint ID XXXX with CFPB in XXXX of XXXX hoping for a resolution of the original problem of a reported but INCORRECT auto insurance policy lapse. I have tried several times before to resolve the complaint with LexisNexis to no avail. This last time, in the complaint listed above, I used CFPB and got word that LexisNexis resolved the issue. Turns out they only said they resolved the issue, it still remains. Their correspondence to me tells of a resolution and yet when logging in to their website, looking at the pertinent info on page 31, under the heading Section 7, Record 1, Automobile Insurance Policies, under the heading " Policy Holder Details '' and under the sub-heading " Number of Policy Lapses '' it now correctly states 0 ( zero ) instead of the number 1 that used to be displayed. Problem now is that under policy lapse dates it STILL gives a Lapse Start Date of XX/XX/XXXX and a Lapse End Date of XX/XX/XXXX. 
THERE WAS NEVER A POLICY LAPSE! The letter I submitted from XXXX XXXX states this and now LexisNexis 's own report states 0 lapses and yet the report STILL gives these two start and end dates.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I set up AutoPay from my Wells Fargo checking account. I designated XXXX  XXXX XXXX as a payee for reoccurring payments on the XXXX of each month in the amount of {$35.00}. 

XXXX XXXXXXXX XXXX due date is the XXXX of each month. For whatever reason, XXXX  XXXX XXXX did not receive payment for XXXX until the XXXX. As a result, I was charged a late fee in the amount of {$35.00} and a 30-day late payment reported to my credit report. The late payment history has a long term negative impact because it can stay on my report for 7-years pursuant to the federal FCRA. 

This is due to no fault of my own. AutoPay was set up on the XXXX of each month. Please correct this issue with XXXX XXXX XXXX credit card department ; other wise, criminal and civil claims will be pursued.
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

This is like playing the child 's game Hokey Pokey. Medical Data Systems puts the debt and then they take it off. Since XXXX I've been disputing this account and now it pops back up on a recent credit monitoring report. I want this removed and all references to this account with any credit or medical bureau. Enough is enough!
Consumer complaint received 2024-11-29
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WV)

NewRez mortgage company has raised my payment because of their lack of details on my loan. They didnt pay my escrow and my property was sold at auction. They now will not speak to me because I hired my lawyer to get them to pay the past due balance, although they paid it on XX/XX/XXXXXXXX XXXX XXXX it was due again on XX/XX/XXXX again and havent paid that. I tried to have my property replated but couldnt because I technically didnt own it. I had someone that was going to buy a few acres of my property and now they backed out because I couldnt legally sell what wasnt mine at that time. They messed up on their end after it was sold to them and are holding me responsible for there XXXX up. I was trying to build a house but cant when XXXX behind on taxes and they wont pay it. They are also sending all my personal financial statements to my lawyer instead of me.
Consumer complaint received 2019-09-05
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. (MO)

This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies Trans Union, XXXX, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.
Consumer complaint received 2020-01-25
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. (NY)

INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (NJ)

My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made XXXX payment in 4 years XXXXIve already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed
Consumer complaint received 2019-09-05
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. (IL)

I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I opened a new XXXX XXXX savings account with CapitalOne.Com back on XX/XX/XXXX. Capital one had a special if you open a new account and leave more than XXXX then they will give you more than 3 % interest and a {$1000.00} bonus after 3 months. I put a lot of money into this account and made very few transactions. I opened up 2 other checking accounts with them and a credit card in XX/XX/XXXX. My paycheck from the company I work for started to go into this new account as well. On XX/XX/XXXX or so I logged into my account and all 3 accounts say " your funds are currently not available to withdraw. Please call us at XXXX '' I have called 6 times now and they keep telling me that my account is in review and they are holding my money hostage. I am XXXX XXXX XXXX and I don't appreciate being treated like this without any reason or knowledge. I also emailed the president of the bank 4 times with no responses. I would like them to shut my accounts down and release my money ASAP. Please get back to me by phone XXXX my son 's phone number or email me XXXX XXXX
Consumer complaint received 2020-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/20 After being transferred around between multiple departments at Ally Bank. I finally got a representative in the billing department. I explained that I recently got a new installment loan and set up the payments online. During the online setup I accidentally set up a onetime payment and reoccurring payments for the future months to come. They both pulled at the same time when only one should have pulled for the month of XXXX. I explained the situation and it is clearly noted in my transaction history. I asked for one of the payments to be returned since I honored my monthly obligation via the loan contract. The representative attempted to provide me an alternative that was not conducive to my financial situation. She explained that she could just apply the extra payment for XXXX. I let her know I just wanted it to be refunded to my account. The representative stated since I did not got through my bank that it could take up to 7-10 days for it to be investigated. I was not sure exactly what needed to be investigated if the transaction history clearly shows a double payment. I finally spoke with XXXX ( XXXX ) supervisor of the payments and billing area. This supervisor told me that the payment can not be returned because I have an outstanding balance. I explained to her that I honored my loan contract, I have not gone into delinquency. I advised her that this is an unfair, deceptive act, and practice. She replied back that I am wrong that its only unfair if it was based on my race, ethnicity or gender. Instead of arguing with her I asked her to send me an email as to why she can not refund my payment, she stated that she can not do that and that she will escalate my request to be investigated. 

Thankfully I am not in financial distress and this has not caused me any fees, but I can not imagine the other customers they have that are in a bad situation. This practice should be thoroughly investigated especially in these unprecedented times. The reason we take out loans is so that we can make affordable payments towards them. If we are making our payments and accidentally apply more it should be returned back if requested. In this situation the consumer ( myself ) was punished for making a extra payment and not going through my financial institution to have it refunded, when they were not the originating bank. 

Ally Bank also makes it very difficult to contact them electronically. It seems as if its to conceal the consumer from having evidence of their unfair, deceptive, acts and practices. 

XXXX did provide me an investigation confirmation number : XXXX
Consumer complaint received 2022-07-22
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)

I have reached out to XXXX, XXXX and Transunion about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (GA)

I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX AXXXX 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 Please delete these items from my accounts as soon as possible.
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Report must be in accordance with Consumer
Consumer complaint received 2020-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (MI)

I needed a loan so I saw a loan company on XXXX XXXX I applied to upstart for {$35000.00} I was approved online they charged a origination fee of $ 2500+ and deposited the balance of {$32000.00} into my checking I ask for paperwork on loan interest rate was told there isnt any I was to make 60 payments at {$940.00} after 60 CV payment I would have paid $ XXXX th iui d to me is outrageous interest it's been 24 payments I still owe, $ XXXX I feel they took advantage of me with the loan interest and not emailing me any paperwork for my file I feel this is discriminatory because I'm XXXX XXXX. How can I get help with this loan?
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (AL)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. 08 XXXX XXXX XXXX XXXX XXXX 10 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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. Please remove these fraudulent accounts from my report. Thank you.