davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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 now requesting proof of the previous investigation. As these erroneous accounts has been so called verified, I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this erroneous account is of my doing and accurate. 

( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) ( XXXX XXXX XXXXXXXX XXXX ) *Information furnished need to be maximum possible accuracy* if you can not provide me with this information in 15 days remove the account from my credit file and send me a copy of my updated credit report.
Consumer complaint received 2024-10-03
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. (NY)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
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. (NC)

XXXX XXXX XXXX has been reporting since XXXX that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a Foreclosure. I am trying to refinance my current mortgage and ca n't because this is on my Experian credit report. XXXX and XXXX credit reports are correct. I have contacted XXXX XXXX XXXX on numerous occasions and Experian and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe XXXX XXXX XXXX and Experian are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX
Consumer complaint received 2016-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (ID)

I submitted a payment to the Vermont Student Assistance Corporation. My bank, XXXX XXXX XXXX XXXX, reflects this {$73.00} charge from XXXX XXXX, 2016. This payment has never been reflected in my VSAC account. Shortly thereafter, my loan servicer became XXXX. Neither loan servicer shows a record of this payment. XXXX gave me a trace number : XXXX which should be useful in assisting VSAC in finding a record of this charge. 
In other words, the transaction occurred. But was applied as an increase of balance instead of reduction.
Consumer complaint received 2024-09-23
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. (MO)

Someone opened a credit card with XXXX  XXXX  and they live in New Jersey and used my information to obtain the card and have quit paying on the card therefore it is affecting my credit causing me to be denied on obtaining a loan which I wanted to purchase something. My home address is in Missouri and I had no idea of the card until I applied for the loan and was denied. I have contacted XXXX XXXX  XXXX  company and also the credit bureau to inform them of the theft. The date of my loan application was XX/XX/XXXX and the card was initially issued in XXXX of XXXX and they have not paid anything since XXXX or XXXX of XXXX. XXXX  is currently investigating the issue as of XX/XX/XXXX as well as the credit bureau as of XX/XX/XXXX.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

Our firm handled a closing for on XXXX/XXXX/XXXX. On the day of closing, we had a payoff statement from XXXX showing an amount due good through XXXX/XXXX/XXXX. Interest was calculated and added through XXXX/XXXX/XXXX and our check was sent to XXXX in the amount of {$160000.00}. After two weeks passed and the check had not cleared our bank, I contacted XXXX and was told the check was received, but the loan was transferred to Shellpoint, along with our check. Our XXXX tracking notice shows the payoff check was received by XXXX on XXXX/XXXX/XXXX then forwarded to Shellpoint on XXXX/XXXX/XXXX. Shellpoint received the check on XXXX/XXXX/XXXX. I contacted Shellpoint and was told they would have to research the missing check and it would take XXXX business days. When I called back, I was told the payoff was short, and that a payoff statement from XXXX XXXX XXXX firm had been sent to our firm on XXXX/XXXX/XXXX. I was able to find the payoff statement from RAS in our file, which was entered after closing on XXXX/XXXX/XXXX ; so we were unaware XXXX XXXX was involved until after closing. When I spoke to XXXX about this second payoff that was sent to us, she confirmed it was sent on XXXX/XXXX/XXXX, and that because it was sent to us after our closing date, the initial payoff statement from XXXX would be honored. 

I talked to Shellpoint again and was told they would send me a payoff statement so that I could resend a check. I also contacted XXXX XXXX on the XXXX and was told I would receive a payoff statement as soon as possible. Finally, on XXXX XXXX, a representative from Shellpoint called me and left a voicemail. I returned the call and left a voicemail. XXXX XXXX with Shellpoint called me today told me that our payoff is short by {$4000.00} due to the accrued interest- which is a direct result of Shellpoint 's refusal to resolve this issue. 

Shellpoint has refused to provide our firm with an explanation or a written payoff statement ; and is instead, attempting to add an additional {$4000.00} to the amount due.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

IRS XXXXXXXX XXXX XXXX These All Involved in My XXXX  Tax Return Fraud Problem. 
Honest Investigation Needed. 
These All Have Cript, Fraud Workers Clean This Three Companies. 
All Is Big Gamblers. 
Fraud, Criminal Recard And I Need Free Credit Report. 
My Social Security Not Sacure. 
Everywhere Is Gamblers. 
XXXX XXXX XXXX
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc. (TX)

Company in Violation of Texas State Business and Commerce code regarding Consumer Reporting Agencies. 
A criminal background check was initiated by Hire Right using my personal information. I received a copy of the report via email several days later. The report contained a criminal history report with dates beyond the Texas State requirement for reporting of 7 years. The only exception to this 7 year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and upon filing a dispute, remains unresolved. The company allowed me to file a dispute ( XXXX ) however their response to the dispute is the law does not apply to " Hire Right ''. This is not only inaccurate as they are indeed a consumer reporting agency according to the Texas Business & Commerce Code but its also very vague. 

I have spoken to a multitude of attorneys regarding this issue and have confirmed that Hire Right has a legal duty to not only follow Federal regulations, but state regulations as well. I have confirmed with said attorneys that HireRight is indeed a consumer reporting agency and have previously been held liable in the court of law regarding violations of state and federal regulations. I have attached the business commerce code regarding Consumer Reporting Agencies along with the specific section that clearly prohibits information being reported beyond a certain timeframe. I have also attached the dispute procedure and legal remedies due to a consumer who has been unable to resolve the issue directly with the company.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX 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 2017-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service did n't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they were n't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held hostage since. XXXX XXXX # : XXXX
Consumer complaint received 2017-10-24
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. (NJ)

Transunion was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. XXXX mortgage with datesXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. XXXX. Universal credit with dates of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. XXXX XXXX was n't given permission to run my credit on XX/XX/XXXX. XXXX XXXX for on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX. 

These inquiries appear on all three bureaus : Transunion, XX/XX/XXXX, and XXXX. 

Please have these unauthorized inquiries removed immediately.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

In a letter dated XX/XX/XXXX, FedLoan Servicing gave me information regarding qualifying payments toward XXXX. The letter stated that I had made XXXX qualifying payments, but I believe I made XXXX qualifying payments. I need to know why certain payments did not qualify and want all of them to be considered qualified. 

FedLoan Servicing stated that during my employment at the Department of XXXX XXXX, from XX/XX/XXXX toXX/XX/XXXX, I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ). 

For my employment at the XXXX XXXX XXXX and United States XXXX Courts ( these are actually the same employer ), from XX/XX/XXXX to XX/XX/XXXX, FedLoan Servicing said I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ). 

I emailed FedLoan Servicing on XX/XX/XXXX, but have not received a response.
Consumer complaint received 2016-09-15
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (MS)

To obtain student loans my personal information was submitted to the Creditor without my knowledge and without my personal signature to validate any of the information given by the individual who received the loans. I requested over and over again for the company and collection agencies to please stop all collection efforts toward me. I provided proof that the signatures on the applications, did not match my signature, the spelling of my last name, address and place of employment all are incorrect on their loan applications. I disputed the accounts because they are NOT MY LOANS, NOR DID I CO-SIGN for these loans. These loans were granted to the individual without my knowledge and without any request from the creditor asking for approval as a co-signer. I am getting repeated requests and notices from different collectors to pay these loans. I have asked for collection actions to stop and for them to remove the negative infomation from my credit record. My requests go as far back XX/XX/XXXX via phone conversations, then via writing starting in XX/XX/XXXX. Now, they have turned this over to an Attorney firm that is once again sending notices threatening to take action. These are not my loans and I need this to stop as soon as possible and removed from my credit record. This is interfering with my health and mental ability to stay focus.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (TX)

A criminal background check was initiated using my personal information. I received a copy of the report via US mail several days later. The report contained a criminal history report with dates beyond the XXXX  requirement for reporting of XXXX years. The only exception to this XXXX year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and needs to be removed expeditiously. 

I filed a dispute via the company ( dispute # XXXX XXXX as well as the BBB ( case # XXXX ) and received a response from the company confirming they will not follow XXXX XXXX regulations. They stated they will only follow XXXX regulations, not XXXX. I have spoken with several attorneys regarding the issue and all have assured me that consumer reporting agencies not only have to follow XXXX regulations, but XXXX specific as well. I attached a copy of their response. They are in direct violation of XXXX XXXX and no one is offering assistance with removing the information from the consumer report to reflect properly. 

BUSINESS AND COMMERCE CODE TITLE 2. COMPETITION AND TRADE PRACTICES CHAPTER 20. REGULATION OF CONSUMER CREDIT REPORTING AGENCIES SUBCHAPTER A. GENERAL REQUIREMENTS Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than XXXX years ; or ( 5 ) another item or event that predates the consumer report by more than XXXX years.
Consumer complaint received 2017-10-24
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: WELLS FARGO & COMPANY (GA)

InXX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  XXXX XXXX loan {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. Wells Fargo Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}
Consumer complaint received 2017-10-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. XXXX XXXX XXXX has been continuing to collect the debt based on an acceleration by Bank of America which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first two pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in XXXX.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY (AZ)

I applied for a Target Credit Card in XXXX of XXXX. I charged the account that day since the cashier did my application and gave me a temporary bar code. The amount was about {$3.00} and some change. They stated I would receive my card in the mail but I did not receive it and I was so confused about everything that I thought I had paid cash back in XXXX, so I thought I decided not to put a balance on it until I received my card. Months went by and I decided to call to see where my card was, because you normally do n't get any bills when you do n't have a balance on a credit card. Then they sent me to the collections department of Target and said I owed about {$7.00} and some change. I told them I did not receive my card or any bills at my address. They later said that I gave them an incorrect address and everything was being forwarded back to them. They also said I gave them the wrong address, when I remember giving the cashier at Target my driver 's license that has my address. I paid the amount I owed, and they took off any charges on their end and said for me to call within 24 hours, so I did. Then later I told them that this is affecting my credit, and it should not affect it because it was their error. They stated they would send me some sort of form to submit to the credit bureau, I did n't receive that either. So now I ask for them to fix this because I did not receive anything from them and I should n't be punished by having a horrible credit score, just because a retail store can not get an address correct.
Consumer complaint received 2017-10-24
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. (TN)

I submitted a dispute to Transunion disputing inquiries on my credit report. I received a letter from Transunion that did not address my concerns at all and nothing was done. Today I called and spoke to some guy from XXXX who said his name was XXXX and know it was n't. I told him that I was aware of that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. He proceeded to tell me that it was not Transunion 's fault but it was the fault of credit karma. XXXX XXXX is owned by Transunion I demanded that he remove the inquiries at once because by law I have to be notified when an item is being added back to my credit report 5 days prior. He refused
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From the time period mid XXXX through mid XXXX Bank of America allowed purchases to be processed over my {$5500.00} credit card limit to a sum of over {$25000.00}. In the background an individual was suppose to be paying these charges but falsified a XXXX XXXX account and was paying these charges with a non functioning account. B of A continued to allow additional items to be purchased. When calling their XXXX number on back of my card the recordings always told me that I had a zero balance which led me to believe all payments were processed. I feel I 'm responsible for all charges up to my limit but the remaining {$20000.00} plus is due to their internal processes and failure to recognize fraudulent activity.