davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
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. (GA)

I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # XXXX
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc. (NY)

XXXX has run a background check on me. They have already completed the check, XXXX is not complaining so far as I know. It is me, XXXX XXXX making the complaint for incorrect information in the report which was sent me by XXXX. 

In the report I contest or question the following : 1. ) The names ( " Also Known As '' ( AKA ) ) that are unknown to me and were never used by me are as follows : " XXXX XXXX. XXXX '', " XXXX XXXX. XXXX '', " XXXX XXXX XXXX '', " XXXX XXXX. XXXX '', " XXXX XXXX, XXXX. XXXX '', " XXXX XXXX, XXXX XXXX ''. 

2. ) The following Addresses are unknown to me and I was never living at the addresses as written and described as follows : XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX, XXXX  XXXX, NY, XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX ; XXXX XXXX, XXXX, NY XXXX. 

Yours Truly XXXX XXXX
Consumer complaint received 2024-08-28
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has not updated my car payments as current since XX/XX/XXXX all payments has been paid on time am
d I have all statements as proof as no late fee 's or payments received to XXXX XXXX XXXX. When talking to XXXX XXXX XXXX  has stated to me they report every month and it seems Transunion does not correctly update information to this account as current and paid and its been 3 months and no payment update.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a few accounts that are unverified on my credit report. I contacted XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX this the third time I have disputed the above accounts with no response from the collections agency.
Consumer complaint received 2019-05-18
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Duplicate ) 5.EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX  XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

they call me 9-12 times a day 7 days a week up to XXXX even weekends and holidays it feels like harassment because I can't pay my loan back I have XXXX and XXXX and choose not to try for XXXX as I would probably be denied. I try to work but have a very unstable work history due to my conditions.and they keep telling me I have to be XXXX in debt or make these unreasonable payments or keep accumulating interest on this loan that I will never be able to pay. I have asked them to limit their calls and robot calls to me me but it continues from XXXX to XXXX 9 to 12 times a day. This is very stressful to me and is destroying my credit making it impossible for me to make my already difficult due to health reasons impossible. I understand I owe them money and they want it but calling me 12 times a day is not gon na fix my health condition it actually makes it worse and harder to not stress and makes the working condition worse. I need some serious help with this. They have called 3 times in the time it took to get this far on this complaint. XXXX from Navient has let 3 messages/ I do not have the money to pay and deferment just keeps making the debt bigger not helping me as my XXXX aren't going away only getting worse and can work less and less.
Consumer complaint received 2019-02-14
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. (FL)

XXXX, XXXX AND EXPERIAN ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX  XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RSH & Associates, LLC (KS)

This company claims to be a Christian company but their tactics are abhorrent! Repeated abusive and hateful phone calls ( so many that I can't even count them ), foul language, name calling, threatening to cost you your job by contacting your employer and telling them you're a thief. When you ask who you owe and what it's for they claim they don't need to give you that information they just want you to pay them immediately. They threaten legal action, threaten to make you lose your home. They are just shady.
Consumer complaint received 2019-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

o my XXXX. I am a victim of identity theft. I have fraudulent accounts and inquiry 's I did not make. please block these accounts from my credit report thankyou. contact me in evenings. XXXX XXXX fraudulent accounts XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX 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 2019-05-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Within my monthly mortgage payment to Flagstar Bank, I include my insurance and taxes as a part of my escrow payment. For the past two years, my mortgage company has mailed and called me to tell me that I needed to purchase an insurance plan for my home, even though it is included inside of my escrow payment. I have told the mortgage company each time that it's their responsibility to pay the insurance bill because I am paying them via the escrow account. Here is a detailed date of events this year : XX/XX/XXXX : Mailed me notice to say that they don't have proof of XXXX insurance for my house and that I would need to purchase it and show them proof. I called them immediately afterwards to tell them that it is included in my escrow payment and would not be purchasing a second insurance plan. The mortgage company then was able to show that they did indeed purchase insurance, but they did so three days after my previous policy expired and that I would need to purchase a policy for the three day gap ( XX/XX/XXXX - XX/XX/XXXX ). 

XX/XX/XXXX : ( letter dated for XX/XX/XXXX, but I received it later than that ) Received a second notice saying that I needed to purchase insurance for the three day gap or else they would purchase it themselves and it would cost me XXXX. The annual policy is less than 2000 dollars. 

XX/XX/XXXX : Called insurance company to buy policy for three days, back dated, as my mortgage company requested. Insurance company said they do not do that and provided me with documentation showing that mortgage company paid the bill for my insurance late, most likely to gain more interest from my escrow payment. Mortgage company claimed that while the insurance company did mail and fax the invoice one month ahead of time, they sent it to the wrong address because the bank has changed their PO box . The insurance company showed documentation that the PO box and fax number change notification was mailed out in XX/XX/XXXX, more than three months after the original invoice was sent out. Moreover, the bank mailed payment late, it was post marked on a date that would identify it as being late, and was the correct amount ( price had increased from year prior ). 

Essentially, the bank held onto my escrow payment last minute, paid the bill late, and I had a gap in coverage. Then - they tried to coerce me into paying XXXX dollars for three days of insurance coverage, which is 67 times more than what it actually costs, due to their obvious mishandling of my escrow money. There is documentation that can be provided if requested.
Consumer complaint received 2023-02-09
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. (PA)

upon reviewing my credit reports I notices some accounts that did not look familiar and that I was unaware of. I am first asking that you properly verify these accounts and send the original contracts, present signatures, dates, and documentation of when these accounts were opened. I believe that my rights have been violated according to the Fair Credit Reporting Act. because I disputed some of these accounts a while ago and when I pulled my credit recently I noticed that these accounts are still existing. The accounts that are included are the XXXX XXXX XXXX which is child support. It states that this account was opened back in XXXX and XXXX. I am asking for all information on this account that exist on my credit report. I need to know who opened this claim of child support and for what children was this support for. There are three different child support account altogether. Please do a thorough investigation on these accounts in which I am not aware of these currently closed accounts. If no verification can be established I am asking that these closed accounts be deleted permanently from my credit reports.

There are collection accounts that also exist as well. The first account is XXXXXXXX XXXX which the original creditor is XXXX XXXX XXXX XXXX This account is stating that the open date was XXXX. Another account is XXXX XXXXXXXX XXXX XXXX XXXX which the original creditor is XXXX XXXX XXXX XXXX, and last Online Information which XXXX XXXX is the original creditor. I am asking that all contracts and or promissory notes, all documentation pertaining to these accounts that has my personal information attached to it. 

I also noticed that there are inquiries that should not be listed on my credit reports because I did not request any new credit. The inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 

Per the Consumer Law 15 USC Section 1681c <f> Indication of dispute by consumer also there should be a prompt notice of dispute to furnisher of information per Consumer Law 1681i 2 <a> and <b> Provision of other information -that the consumer reporting agency shall promptly provide to the person who provided the information in dispute all revenant information regarding the dispute that is received by the agency from the consumer or reseller after the period referred to in subparagraph <a> and before the end of the period referred to in paragraph 1<a>.

Please update on all credit reports as well that name should be XXXX XXXX XXXX XXXX only Address should reflect as XXXX XXXX XXXX XXXX XXXX XXXX XXXX only there should be no listed employers Again please review and investigate in detail all accounts in question. 

With kind regards XXXX XXXX XXXX
Consumer complaint received 2019-02-14
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

I am trying to dispute an account on my credit which is not mine that was created before my date of birth. I have tried to contact the company multiple times, but can not reach a human through their automated system trying several phone numbers throughout their website including a specific number given to me on their web page when trying to file a dispute. 

I am also unable to freeze my credit with them online and will not accept the only solution to freeze my credit is through conventional mail. This would not allow me to thaw my credit in time for future use and I do not see it as reasonable.
Consumer complaint received 2019-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TN)

I entered a loan with Santander Consumer USA in XX/XX/XXXX. In XX/XX/XXXX, I was in a car accident that resulted in the car being deemed a total loss by my insurance agency. I was told by Santander that after XXXX paid, my Gap insurance would cover everything else. So I purchased a new vehicle, being that I am a student living away from home. Following my vehicle purchase, I was called by Santander stating I still have a residual balance I am responsible for and failure to do so will result in my credit being impacted. My insurance company paid {$5200.00} and my GAP insurance with Santander ( XXXX XXXX XXXX ) paid {$1500.00}. I was told by XXXX that they do not cover late or missing payment or interest fees. So I paid my loan with Santander and my loan for my new car monthly. In XX/XX/XXXX, my credit report stated that my account with Santander was closed and paid in full as of XX/XX/XXXX. I called Santander on XX/XX/XXXX inquiring about the report because my online account still displayed a balance. I was told that the reporting was incorrect and the account is open and past due 53 days. I made a payment to Santander on XX/XX/XXXX that they misplaced. I faxed over my bank statement showing the payment processed ( XX/XX/XXXX ) and received verbal confirmation that the payment was found and will be applied to the account. Following this conversation, I was told on XX/XX/XXXX that I was 59 days past due and if I failed to make a payment it would be reported to the bureau, even though I continued to tell them the account is reported as closed and paid in full on my report. I made a payment on XX/XX/XXXX to avoid a negative report. On XX/XX/XXXX Santander listed my account as closed and adjusted the balance to reflect {$0.00} not including the misplaced payment from XX/XX/XXXX and XX/XX/XXXX. I was never contacted, so I called to inquire. I was transferred to the executive office who mentioned that the the credit dispute office stated they were advised to list the account as closed and paid in full as of XX/XX/XXXX. I followed up by asking what balance have I been paying on for 14 months, I was told they would speak with accounting and let me know. I have called every day for the past 2 weeks trying to resolve this issue. They mentioned they have been working with the CFPB in regards to my account. So I asked if my account was one of the accounts related to the settlement that took place in XX/XX/XXXX. I was told that I would receive a letter that was issued by an automated system on XX/XX/XXXX explaining in full detail what is wrong with my account.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account Ive called numerous times to this company for them to validate this debt, and they still dont. This account isnt mine. Im asking them to prove this account belongs to me or remove it from my credit report.
Consumer complaint received 2020-10-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

Experia

n has not fixed inaccuracies. Sent documentation from XXXX XXXX and Other 2 Bureaus are Correct on my XXXX XXXX acct. Why is Other bureaus accurate. Something is wrong with these clowns. My relevant document is attached fix now. once again will add document. Fix immediately or would take further legal actions per the FCRA.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (CA)

I received XXXX debit cards issued by Square/XXXX.XXXX  XXXX XXXX did not request and I don't have an account with this company. Square was unwilling to help me prevent this fraudulent activity.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc. (DE)

I'm having trouble making payments on my XXXX XXXX account with Comenity Bank.

They have taken to calling me repeatedly with spoofed and " restricted '' numbers.

I've already told them I'm in trouble and they've offered no help.
Consumer complaint received 2019-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/2019 my mortgage was transferred from XXXX to Mr Coopers. I made my XXXX mortgage payment to XXXX and they cashed my check and funds deposited in XXXX XXXX. When the mortgage was transferred my XXXX payment was supposed to have transferred. I waited till XX/XX/2019 to check my account at Mr Coopers and I found that my XXXX payment was not posted to my account. I called XXXX on XX/XX/XXXX and could not get past the customer service operator. The best that she could tell me was the loan and everything that went with the loan was transferred to Mr Coopers XXXX XX/XX/XXXX. I called Mr. Coopers on XX/XX/XXXX and again could not get past the customer service operator and all she could tell me was I owed {$620.00}. For 25 days of calling both company 's I finally Got a person to give me some direction on what to do. She told me she started a missing payment complaint. I told her I had Canceled checks of my payments as proof my mortgage payments were made. She told me to send copies and gave me the address. I sent copies to the address certified mail and they were delivered to that address on XX/XX/2019. As of today XX/XX/2019 I have not heard from Mr Coopers nor has my problem been fixed. I did Make another payment on XX/XX/2019 on bill pay to keep from getting a bad credit report. As of this date XX/XX/XXXX I show I should be paid up till Through XXXX next payment due in XXXX. Mr Cooper has me as being paid through XXXX next payment due in XXXX.