davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-03-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

SPS select portfolio services and XXXX  was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

The company is ARS Solutions for some reason they are trying to collect a medical debt from some place called XXXX XXXX XXXX which is apparently located in Tennessee for the XXXX but I've never been to any of those places so can somebody tell me how I have a past due balance and why it's on my collections under my credit report and I've tried to speeding it in contacting them and it's getting me nowhere
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom

It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit
report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible :  USDOE/XXXX  XXXX  XXXX XXXX. XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX
Consumer complaint received 2021-01-15
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. (NY)

XXXX XXXX XXXX requested my credit report without my knowledge or authorization on XX/XX/XXXX. As per XXXX, an application was received online using my name, address and the car I currently own but used an email address other than mine. XXXX tried to contact me via the email used on this application and it was bounced back. I received a letter from XXXX dated XX/XX/XXXX denying this insurance application with a NY Credit Disclosure Notice from Trans Union attached. 

I requested a copy of my credit report from Trans Union and it does show an inquiry was requested by XXXX on XX/XX/XXXX for insurance underwriting. 

A per my conversation with Trans Union yesterday, my Social Security number was necessary for this inquiry and so I have frozen my credit reports with all three reporting agencies as well as my credit cards. 

Neither I, nor anyone in my household applied for any type of insurance or quote from XXXX or have ever been insured by them. As per the advice of their Underwriting Department I filed a police report with the XXXX County Police Department, 1st Precinct in XXXX XXXX, New York, today, XX/XX/XXXX and XXXX will be forwarding this to their Fraud Department.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-03-03
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. (IL)

XXXX XXXX  XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$2300.00} on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2020-03-02
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. (GA)

My information was compromised as the result of the data breach at Equifax. In reviewing my credit reports, I discovered that there were accounts on my credit reports that did not belong to me. 

The dates and amounts in question are : XX/XX/XXXX - {$14000.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$220.00} To correct this situation, I followed all steps according to the law to have these items deleted from my credit reports. The fraudulent accounts found on my credit reports were deleted by both XXXX  and XXXX. Oddly enough, Equifax ( who was the sole cause of my information being compromised in the first place ) is the only credit bureau who did not delete these fraudulent accounts. They have failed me on my efforts to have these accounts deleted.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America repeatedly refused to take my payment for my credit card. They said they were entirely unable to resolve the problem ; I spent many hours trying to solve it with them over more than a month, speaking to countless representatives and managers. 
The only resolution was closing my card, which had a strongly negative impact on my credit, as my oldest line of credit. This was very unfair.
Consumer complaint received 2020-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions (AL)

I have XXXX XXXX protection against balance billing. XXXX   means qualified XXXX beneficiary for low incomes. If the provider accepts XXXX they, by law, accept XXXX. After XXXX pays, XXXX pays the rest of the bill per XXXX standards of payments for the service. The fact that the provider doesnt accept XXXX is meaningless. Both XXXX and XXXX paid.I dont have full XXXX. XXXX only pays what XXXX does not so XXXX paying a XXXX  bill is a XXXX protection payment not a XXXX payment. I told XXXX XXXX that XXXX paying as a XXXX supplement doesnt mean I have XXXX. It just means XXXX is part of a XXXX  ( XXXX XXXX XXXX ) and  acting as a XXXX protection, XXXX will call both of XXXX and XXXX XXXX. It is illegal to balance bill a XXXX  and against Federal law.
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: SIMMONS FIRST NATIONAL CORPORATION (MO)

Simmons bank has purchased XXXX XXXX in XXXX Mo. They will not answer their phones or any type of internet communications. This bank is slow slow and very inconvenient to work with. This bank needs to be investigated so we can get the proper service we require.
Consumer complaint received 2020-03-03
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. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. I have also attached a notification from Experian that this item is deleted from my credit report however, it is still being reported. ) I was searching for a place to live while I was in XXXX and I saw an advertisement for 2bed/2bath apartment. I spoke with Ms. XXXX over the telephone and she showed me the apartment unit on XXXX so I trusted she was showing me the apartment I agreed to rent. I sent her a deposit of {$2500.00} and signed the lease agreement. As it turned out, the apartment she actually wanted to rent to me was a 1bed/1bath unit. ( I have attached a copy of the add she sent me along with a copy of the text message from her. ) I told XXXX I have a family and required a 2bed/2bath unit and that I wanted the unit we had initially agreed upon which was the 2bed/2bath unit. She informed me that this unit was not available. I decided not to rent the place simply because ( 1 ) it was not large enough, and ( 2 ) I was completely misled. Ms. XXXX would not let me out of the original lease that was signed and she would not return my security deposit either. This is fraudulent advertising and Ms. XXXX willfully took money from me under false pretenses. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

My Loan was sold to Mr. Cooper/ Nationstar company in XX/XX/XXXX. XX/XX/XXXX the home insurance payment was due. Mr. Cooper/ Nation Star called XXXX XXXX to get payment amount. XX/XX/XXXX they mailed the payment. Insurance company cashed the check XXXX XXXX but said they received the check XX/XX/XXXX which they stated was received too late and therefore instantly issued a refund to me however I never received a check or letters of cancellation from them. This entire time I have been making my payments to the mortgage company under the assumption that my home was insured as my was loan includes my insurance payment built into the monthly payment. On XX/XX/XXXX my house caught on fire due to an illegal firework that landed on my home while I was not home. Unfortunately extensive damage occurred to my home. I called XXXX XXXX XXXX  and filed a claim. On XX/XX/XXXX I received a call from XXXX XXXX  that my claim was denied due to my insurance was canceled effective XXXX XXXX. I immediately called mr. Cooper/ nation star and after many phone calls between them and my insurance I have been told that it is my previous lenders fault as they never added them as loss payee however when the sale happened I personally called mr. Cooper and was told that it was a seamless transaction and they would handle everything and to just continue making my payments. Now nation star is stating that they will only help me if I agree to allow them to add force placed insurance to the loan which is extremely expensive and will not cover any of my personal items and possibly not all Of the damages. I feel Helpless as they told Me either I agree or they will add the insurance since I dont have insurance on my home. I am currently XXXX  since it is not safe to live in my home due to the fire damage. My mortgage company will not even speak with my any longer unless I agree to what they want. Please help me as I dont know what my rights are here and I thought the mortgage company was suppose to pay my insurance which is what I thought I was covering in my monthly payments to them this whole time. 

Side note : XXXX from Mr. Cooper was rude and would not escalate my call to a manager when I asked her too. States I needed to speak with her as she needed to try and fix it before escalating. She also argued with the insurance company that mortgage companies have 30 Days to make the payment but the insurance rep told her no payment is due when its Due which leads me to believe that I may not be the only one that may have an insurance policy cancelled due to late payment.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

My HOA switched insurance companies on XX/XX/2019. My mortgage servicing was also bought by Shellpoint Mortgage Servicing. In XXXX they sent a letter threatening to buy mortgage insurance if I did not submit proof of insurance. Evidently they did not obtain this from my previous mortgage servicing company when they bought the rights. I contacted my HOA, was emailed proof of insurance, and forwarded that to Shellpoint Mortgage Servicing on XX/XX/XXXX. Approximately a week later I called Shellpoint to insure they received the HOA insurance. They said they did, but the individual on the phone said the new coverage began on XX/XX/XXXX, and they possibly would need proof of old coverage from XX/XX/XXXX-XX/XX/2019. She said shed submit it and theyd let me know. Approximately a week later I received another letter threatening theyd purchase coverage from XXXX XXXX if I didnt submit proof of old coverage. I again contacted HOA, was emailed proof of old coverage, and forwarded that to Shellpoint on XX/XX/XXXX. XXXX week later I called to follow up with Shellpoint, and they claimed they never received it even though I have proof email was sent. Individual I spoke to said to email directly to her, which I did while we were on the phone, and she confirmed she had received it. This was on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX ( day after she confirmed she received it ) they Shellpoint hadnt received proof of insurance and they bought insurance for me. I had submitted proof twice the week prior to the date on their letter. I shouldnt be harassed for the same information, I have proof of insurance and proof of submission. This is a clear violation of consumer protection laws by Shellpoint Mortgage Servicing.
Consumer complaint received 2020-03-03
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. (FL)

I checked my credit report and noticed several accounts that I believe to be fraudulent. None of these have been solicited or used by me and now they are tarnishing my credit rating tremendously. This is crippling my ability to make the moves I need to for my family like a high paying position which I am more than qualified but this is the only thing that is stopping me. My information was probably stolen due to one of the data breaches but I am not sure and still trying to figure out. Please help my family and I get to the bottom of this so we can move forward from this already thank you in advance.
Consumer complaint received 2020-03-02
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}
Consumer complaint received 2019-12-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC (AZ)

I attempted to pay the company the debt that I owed. I informed the company that I am in the middle of buying a house. I told them in paying off the company I need a Letter Of Deletion several times throughout the call, and I gave them my email address and mailing address because they said several times that I would definitely be receiving the Letter Of Deletion.Once I paid half the debt off, I asked how long after the debt has been paid, would I receive the letter, the same employees that said I would receive a letter, started saying that they never said I would, and they never send those types of letters... They immediately hung up on on me and when I called back they transferred me to a voicemail. I am devastated.