davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-14
Product: Credit 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: Avant Holding Company, Inc. (MN)

Here is the email I have sent to Avant resolutions department XX/XX/XXXX Fraud charge put onto my account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} + Annual fee {$29.00} So my XXXX Statement would have been the {$4.00} + XXXX + interest In XX/XX/XXXX I make the claim of the fraud charge XXXX statement the fraud change was removed, so my balance was a negative<credit> {$43.00} XXXX Statement still have a credit balance of {$43.00} XXXX Statement - AVANT PUTS THE FRAUD charge back onto my account of XXXX and claims that it is a separate charge because it is on a separate day. EXACT same vendor and EXACT same amount of {$79.00}. Also you see that when I made claim back in XXXX, Avant cancelled my original credit card number and issued me a new credit card. 

AVANT NEEDS TO TELL ME WHY THEY BELIEVE THIS CHARGE IS A DIFFERNET TRANSACTION and NOT BECAUSE IT IS ON SEPARARTE DAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AVANT PUT THE CHARGE ONTO MY ACCOUNT XXXX through XXXX I'm being changed late fees and my credit score has gone done from XXXX to low XXXX because of these late fees. 


Current statement, on XX/XX/XXXX Avant finally accepts my claim of the fraud charge and the XXXX along with the latest late fee has been removed, but I still owe late fees from XXXX - XXXX. 

Email from XXXX dept on XX/XX/XXXX Hello, I did get this over to my direct superior with Avant, this claim has been accepted with information you just provided and you will see the credit within the next XXXX as it does not reflect right away. I do know you mentioned this impacting your credit, you will want to reach out to customer service or the credit bureaus. If you contact customer service they will be able to see the notes on the claim in regards to Avant accepting the charge and credit being permanently issued back to you. 



Thank you, XXXX XXXX XXXX XXXX XXXX  Issuer Dispute Operations XXXX  Worlds Most Admired Companies XXXX | XXXX XXXX XXXX | Join Our Team | XXXX | XXXX XXXX XXXX XXXX XXXX XXXX or its affiliates. XXXX is a registered trademark of XXXX XXXX Privacy Notice From XXXX. XXXX XXXX XXXX XXXX XXXX. All rights reserved. Used under license.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only h ave one nu mber that is legit and that is  XXXX   XXXX
Consumer complaint received 2018-10-22
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. (NV)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has lowered my credit score..CFPB please step up and remove the error
Consumer complaint received 2023-10-14
Product: Credit reporting 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)

To whom it may concern ; I recently reviewed my consumer report and observed that 2 late payments are incorrectly reporting on Consumer Reports. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information with Maximum Accuracy. I have never been late on my account by XXXX with account # XXXX. Attached document will show multiple inaccuracies. Please remove the late payments and update with paid on time as I was never late. 

Thank you for your kind consideration. 
XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, columbus , XXXX. 
Please remove the following numbers : XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Consumer complaint received 2023-10-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (NC)

I contacted Rocket Mortgage the next business day after my CARES forbearance ended, ( XXXX ). The woman I spoke with gathered some financial information, and informed me that I owed all of the amount due, in a lump sum. 

She instructed me to send a hardship letter, and pay stubs and underwriters would get back to me. 

After we hung up, she called back, and left a message, stating that I DIDNT need to send that information, and they had everything they needed. 

Its been 10 days, and I have not heard back. 

Additionally, I emailed them on the XXXX of XXXX, inquiring as to status, and was told that I needed to submit all of the documentation that the woman told me I didnt need to submit. 

Finally, I received a letter on the XXXX of XXXX demanding XXXX by XX/XX/XXXX to avoid foreclosure. 

I have no idea what to do at this point. I want to resume payments, and establish a plan for making up missed payments during the forbearance.
Consumer complaint received 2017-05-26
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: Experian Information Solutions Inc. (PA)

On  XXXX   XXXX ,    2017   XXXX   XXXX  made a hard inquiry on my credit report. Now, they deny it ; the Experian CREDIT beurau denies it as well. Neither company is willing to help. I am applying for a loan for a house and need to get this removed asap.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NV)

I asked to put the company in my debt management consolidation loan company and they said they don't work with those companies. The loan is allot higher than I expected. I'm working with XXXX to pay my debt off. Amplify won't work with them
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Never late XXXX XXXX XXXX Account number XXXX Never late
Consumer complaint received 2019-03-29
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: WELLS FARGO & COMPANY (CT)

I applied for a mortgage with WellsFargo on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager Wells Fargo Home Mortgage Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).
Consumer complaint received 2019-03-27
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. (TX)

Equifax, XXXX  and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-03-26
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. (GA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-12-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} I disputed this amount. I was never at the hospital. I asked for documentation. None was provided.
Consumer complaint received 2018-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to transunion, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX has the same info reporting to their bureau as well.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with XXXX, Transunion, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I have been sending disputes about this so called XXXX bill to no avail .it was removed from one of my credit bureaus but not the others. its held by a third party debt collector. Ive been letting them know Ive never had or used a XXXX phone or service on stated dates. Im not sure what else to do from here but the debt isnt mine. Some how they have my address and Im not sure if they have my social if they do its definitely fraud! Please help thanks for your time.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

on XX/XX/XXXX, i contacted XXXX XXXX. regarding there ability to not update Equifax about the debt that is not belonging to me. I spoke to XXXX a Representative, then spoke to Supervisor by XXXX, in which she in formed me they had removed this debt and sent info to the credit reporting agencies. On XX/XX/XXXX i called back and spoke to a rep XXXX, and let her know i never received the letter in the mail, the letter they were supposed to send to me regarding the removal, XXXX on my credit reports. on XX/XX/XXXX i faxed over a copy of a police report # 2018-02962, regarding my identity theft, along with a letter requesting removal and a copy of my security card to equifax at 1888-826-0598 from XXXX XXXX at XXXX from fax # XXXX store tel. # XXXX Ser # XXXX. this is the conformation that the faxed had been received. This Creditor along with as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. has not been properly removed or updated wtih equifax or XXXX but had been updated and removed as of XX/XX/XXXX with XXXX credit bureau. on XX/XX/XXXX i spoke to Deputy XXXX XXXX ( XXXX ) XXXX-XXXX ext XXXX with the XXXX Ohio Sheriff Department whom was present when a call was placed on speaker with XXXX, in which the representative, XXXX stated they will remove from report and send letter to support actions.
Consumer complaint received 2017-05-27
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. (NY)

I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX  ( Home Equity ) on my credit reports with XXXX, Equifax and XXXX. 

I am including a copy of the following XXXX credit report, File Number :  XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following XXXX credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my Equifax credit report, Items as of date reported : XX/XX/XXXX. 

The XXXX report shows that the " Pay Status '' CHARGED OFF, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX  is NOT reporting the complete payment history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my XXXX credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my Equifax credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The Equifax report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX  is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.