davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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)

This my follow-up complaint about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (AR)

Back in XXXX I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the XXXX increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from XXXX saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-28
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: Cascade CISS Holdings, LLC (NY)

This is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that bein said, the inquiries are violating the Fair Credit Reporting Act. Section 1681b ( c ) : Transaction not initiated by consumer and need to be removed immediately. 

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 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 2023-06-26
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. (LA)

This company XXXX XXXX Acct XXXX XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Consumer complaint received 2023-06-26
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. (MS)

I submitted a FTC report twice, ( XX/XX/2023 and XX/XX/2023 ) to all XXXX credit bureaus for a fraudulent account. XXXX did their investigation and found that the account was indeed fraudulent and removed it from my report. I submitted their findings to Transunion and XXXX, but they have yet to remove it and the only response that I received was that they would be investigating. That has been over 90 days now.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (NY)

These fraudulent inquiries were not made by me : XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-28
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-26
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. (GA)

XX/XX/2023 I sent out a letter to sent proof or validation of the debt to both Transunion and XXXX XXXX  and I still havent gotten a response from either party or any proof of validation.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank closed my account because they had closed an account in my name due to a bankruptcy back in 2012. After I went to cash a check for XXXX issued from a Chase bank account, they told me that their limit was only XXXX that I could open an account or take the check to another bank institution. There was also an {$8.00} banking fee. One morning I checked my online balance and the account was blocked, therefore I called and they told me that they would issue a cashier 's check after ten business days of the account closure. They have my money and that is wrong!!!
Consumer complaint received 2019-08-16
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. (CA)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy : Bankruptcy Reference number : XXXX
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (FL)

Hello this is regarding my vehicle with Global Lending acct # XXXX my vehicle was totaled loss in a natural diaster the vehicle was paid off through vehicle insurance and Gap. however, this company reported my vehicle 30 days late XXXX so my request is two fold, first i ask that the company remove the late payment and also update the records to reflect that this vehicle has been paid off.
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Loan transferred from XXXX to Mr. Cooper. New payment amount adjusted with an increase of XXXX & is listed as fees. New fees indicated are for processing etc. & I did not authorize an increase, nor signed any documents relating to said increase. Then when I tried to pay the original payment amount it auto filled the prompt and added the next months payment as well and wont allow you to pay any other amount other that the amount they auto filled trying to trick you into paying 2 months amount. 
Also when you call they indicate due to current call volume they can not assist you at this time. When you pick a different category they put you on a non answered hold.
Consumer complaint received 2023-06-28
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-28
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: World Acceptance Corporation (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of XXXX as a federally protected consumer, it is my right to privacy. 

Per the Security Exchange Act of XXXX, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.
Consumer complaint received 2023-06-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

AllFollowing up with my previous complaints. I am reiterating the issues I have encountered with Wells Fargo since XXXX. 

Misleading Loan Advice In XXXX, as a twenty-something first-time home buyer with a credit score over XXXX, Wells Fargo advised me to take a balloon mortgage as a second mortgage. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. As time went on, they said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages and then they started saying that they no longer offer them and were unable to help me. I even had onXXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I recently learned that this loan type is SO risky, that Wells Fargo stopped issuing in XXXX with the Dodd-Frank Act. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} Administrative Errors Administrative errors seem to be a common practice within Wells Fargo. I requested an amortization schedule ( TWICE ) in XXXX which showed my mortgage as a conventional loan. The first amortization schedule, they entered the wrong date for the simple interest loan and then they resent the amortization schedule with the correct date XX/XX/XXXX ( SEE ATTACHMENTS ). BOTH times they sent the amortization schedule as a simple interest loan! 
After a while, I noticed my balance was not going down like the amortization schedule showed and I contacted Wells Fargo to inquire. It was only then that they said that the amortization schedule was an error and they made a mistake ( AGAIN ). 
In XXXX, Wells Fargo sent me a check for {$270.00} to compensate for their multiple administrative errors. {$270.00} does not compensate for the multiple administrative errors Wells Fargo has made causing a damaging financial impact on my life.
Consumer complaint received 2023-06-26
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. (PA)

This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-06-28
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

XXXX  XXXX bankruptcy dispute submitted on XX/XX/2023. I received a letter from Lexis Nexis dated XX/XX/2023 and the letter states the information in my dispute was validated. Per reaching out to the Bankruptcy Courts via letter per letter they do not report to any credit reporting agency. Which means that Lexis Nexis couldnt have validated the information.
Consumer complaint received 2023-06-26
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. (IN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

10.The inquiry was not authorized XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

16. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

17. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2023-06-26
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. (NY)

AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CT)

Two incidents happened with this mortgage servicer - Fay Servicing. 
1. I made an on time payment in XX/XX/XXXX. It was received by Fay Servicing 1 day before the late date [ late date = XX/XX/XXXX ]. I have a date-stamped check proving that it was received by the company in time. I presented this information to them and they did not remove the late fee. Instead, they are assessing a late fee because their internal processing or payments takes a few days. That is not my fault, nor can I control anything that transpires inside Fay Servicing. I submitted my payment on time. 

2. I called Fay Servicing today because.. 
a. the website did not accept my username so I couldn't log in. Fay 's response was that I need to reset my password. My reply to that is that I can't log in, even with a new password, if the system doesn't allow me to use my username. I clicked " forgot username '' ( which I didn't ) and was sent an email with the username that I've always used. Fay 's reply was that they can't do anything and they have no department that fixes things like this.

b. I wanted to make sure my municipal taxes were scheduled to be paid on time so I called them. Fay has my tax due date in their system as XX/XX/XXXX, but the due date is actually XX/XX/XXXX. They said they can't change it because their screen says XX/XX/XXXX. I texted a photo of the tax bill showing the correct due date as XX/XX/XXXX. ( They said I couldn't email them ; only txt. ) They did not believe me and instead said they looked up on the municipal website to see that they can pay the bill on XX/XX/XXXX. The bill is DUE on XX/XX/XXXX and interest is added in 1 month increments BEGINNING XX/XX/XXXX. Fay said they won't be changing the due date in their system. My taxes have been paid very late a number of times in the 6 years that I've had them as my loan servicer. My homeowners insurance was also not paid until it lapsed twice. This means that I didn't have insurance coverage during that lapsed time period. Fay Servicing doesn't pay things on time and doesn't admit it when they make mistakes. They focus on getting that extra 2 days float with our money while customers suffer the consequences.