davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union I 'm a victim of a transition glitch. 

Inquiries not authorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

I notified Experian that I dont reside at XXXX XXXX XXXX XXXX XXXX Or XXXX and the person my ex that resides there has used my information for things before fraudulently that resulted in our demise. They informed me that this cant be removed because there were accounts reporting it. So i looked into these accounts and they are no longer reporting but Experian has since sent my report to that address now devulging to her where I live and accounts that I have and I have even noticed new inquiries since that I didnt do and believe it was her since she knows I have somewhat decent credit now but has my information from our previous relationship. I did not want her know where i lived which she now knows and other information I didnt want her to have! I changed my address on my Experian file and locked it but they still sent the report to the XXXX XXXX XXXX XXXX XXXX her more ammo of all my information. So now I have alerts and locks on everything watching daily. But is there anyway you can assist in having Experian remove this address from my file causing any more damage to my file, giving information to someone XXXX dont want to have it.
Consumer complaint received 2019-05-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Finance LP (MA)

Selene finance incorrectly determined that there was a lapse in my home owners insurance. As a result, they purchased a policy on my behalf without notifying me. This increased my monthly payment, also without notifying me. I continued to pay my regular monthly mortgage payment on time. They perceived a discrepancy in the monthly amount due. As a result, as I paid my monthly amount, they held it in an " unapplied status '', meaning they did not apply it to the account. They just held it. Also did not notify me. This made the account overdue. which it was not. They then reported an over 30 days past due amount to the credit bureau. Selene has all payments up to date yet is reporting past due. This has caused me to be denied a refinance loan and is negatively affecting my credit report. I have tried to call them, email them and use their online chat feature. Each time I am met with confusion on their part. I have made 3 phone calls to address the {$2500.00} that is being held but not applied to the loan. Each time I am told it is resolved, then it is not resolved.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21 my credit card ( XXXX XXXX XXXX XXXX XXXX ) did an overdraft or cash advance to my debit card for XXXX dollars. I did not even know my card could do this. on XX/XX/21 my debit card was charged for XXXX dollars to an unknown XXXX XXXX. description was ( BILL PAY XXXX XXXX XXXX XXXX XXXX CARD ON-LINE XXXX ). I did not do any of this. on XX/XX/21 I called their online fraud support ( XXXX ) to claim a dispute. I called again on XX/XX/21 They denied my dispute and claimed that they could not get the money back since the transaction was from a secured activity, doing. at that time i only had XXXX on my debit card. and my credit left on my credit card was about XXXX the scammers basically drained my account. which should be an obivous fraud activiy.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

This is related to complaint number : XXXX XXXX XXXX has completed or I believe to have completed/ fulfilled their obligations by locating and finding the missing funds. LoanCare has not. LoanCare received the check on XX/XX/XXXX confirmed by XXXXXXXX XXXX as they provided the XXXX tracking information and delivery confirmation. That check was received by Loancare on XX/XX/XXXX. As of today XX/XX/XXXX over a month later the funds have not been credited to my account. Has Loancare just decided to keep my {$3000.00}? What takes a month to process a deposit?
Consumer complaint received 2024-10-18
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. (OR)

My report shows identity theft accounts I never approved. I told you about this and now demand their immediate removal. These false entries cause me distress and misrepresent my credit. I'll take legal action if not fixed quickly. They've blocked important goals like buying a home and supporting my family.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My mother ( XXXX ), had sent a $ XXXX payment to a XXXX  I no longer have access to due to someone stealing my bag, phone, and ipad in the midst of being homelessness. During the period of my housing instability. I had fallen behind on phone payments leaving me unable to recover any and all accounts registered with that number. This person must have changed the phone number linked to the account because I do not recognize the number that it shows ending in XXXX. XXXX has refused to accept any and all forms of identification including social security card, state id, birth certificate, bank statements, XXXX identity theft forms, etc. And refuses to cancel payment and issue a refund to my mother. This has been ongoing for 4 months and they ultimately have stopped responding to calls messages and emails.
Consumer complaint received 2024-10-18
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. (IL)

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 2021-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

I have applied for a loan to pay off all my debt I contacted the collection agency Radius Global Solutions in conjunction with XXXX, XXXX XXXX XXXX XXXX XXXX to get a payoff statement or letter to be faxed over to the lender so they can issue out a check. This company will not comply with us we have been trying to reach out to this company for 2 weeks now beginning XX/XX/2021through XX/XX/2021. Every time I called this company they keep telling me that they're going to fax over a payoff letter and never do so. They not complying with us to resolve this matter to pay off this debt. We've been told one lie after another lie we never received any letter from them in the mail saying that we owe them anything as well. Due to them not sending over a payoff statement to the lender this is holding up our process of refinancing our home because the lender needs a payoff statement so we can pay off this debt. So we can move forward with our refinance this has pushed our refinance back because they will not comply and fax over the payoff statement. This is costng us money and time to get this done.
Consumer complaint received 2024-09-30
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. (MN)

My credit report shows my SSN along with a second persons SSN. It includes all of her personal information including SSN, DOB, address, phones numbers and credit accounts as well as my credit info. At my request, all 3 credit agencies are in the process of removing her information from my file but I have requested that they submit to me in writing a declaration that they have reviewed her account and it DOES NOT include my information. 
Her name is XXXX XXXX XXXX and her SSN begins with XXXX. 
Mt name is XXXX XXXX and my SSN begins with XXXX. The rest of the digits are identical on our SSNs, they are only one digit apart. 

As they have already mistakenly combined our accounts, I want written assurance that my info is not on her credit report as well.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I received a garnishment disclosure dated XX/XX/year> in re : transactions that were not made by me. The fraudulent amount totals {$360000.00}, plus fees, I never gave written consent to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ), to report or furnish my information on my consumer report or any other entity.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLATINUM HOME MORTGAGE CORPORATION (WI)

I contacted Platinum home lending in XX/XX/2020 to have my property appraised to have my mortgage insurance removed since I feel our home has 20 % or more equity. They denied my request twice claiming I did not qualify because of late payments. There was never any lates on my account due to us paying late. Lender has applied payments from someone elses account to ours and then reversed payments all without ever contacting us. When they reversed the payments it made the account show payments was late because they applied our payments as future payments but they did not revise our payments to complete the payments they reversed. After fighting with them it was moved to management ( XXXX XXXX ) which could see it was there fault. They finally approved my loan to have an appraisal done in XXXX. We promptly paid for the appraisal on XX/XX/XXXX. A week later we received a email requiring a list of improvements done to the house which we replied same day showing {$120000.00} in recent renovations to the home. We confirmed at the end of XXXX that they did receive the list of upgrades and that everything was in place. They claimed the appraisal company was just backed up but would be in contact soon. I spoke with XXXX mid XXXX since we received no contact. She checked and said they are still just backed up. I have left 3 messages with XXXX and have received no reply in the month of XXXX. Its been 2.5 months since we paid for an appraisal and we have not even been contacted. We have been paying over {$270.00} a month more in MI then we should need to for 5 months because of them delaying this. This is abusive behavior and causing financial harm to me because of the delays.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

I purchased a home XX/XX/XXXX with XXXX through Umpqua. The loan was for $ XXXX on a home appraised for $ XXXX. I was told prior to signing papers that I could get PMI removed without another appraisal if I reached XXXX % loan to value ratio within 6 months. On XX/XX/XXXX, I received letter from Umpqua stating the same thing. On XX/XX/XXXX, I mailed a check for {$40000.00} along with letter requesting removal of Private Mortgage Insurance. Umpqua applied the $ XXXX to my principal, but did not remove PMI. On XX/XX/XXXX, I got on the phone and got in touch with loan manager. She stated that the original letter was incorrect, that PMI was figured off the sale price of the home, not the appraised value. Loan manager said that a corrected letter would be in the mail, but I have not received such letter. She requested that I send {$8500.00} more dollars, and that she would take care of getting PMI removed. On XX/XX/XXXX, {$8500.00} I have sent this payment along with another detailed letter, and wait for their response. This last payment takes me down to XXXX % loan to value of home, within 3 months of signing the loan. These funds that I have sent them were moneys that were allocated towards improvements on the home. Everything online that I am reading states that mortgage companies HAVE TO automatically remove PMI when loan gets to or is scheduled to get to XXXX % of appraised value of home. If the interest rates did n't just jump recently, I would have just refinanced. Now, I am stuck in trying to get Umpqua to do what they stated they would do in emails, and in writing from them.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

My credit report shows my SSN along with a second persons SSN. It includes all of her personal information including SSN, DOB, address, phones numbers and credit accounts as well as my credit info. At my request, all 3 credit agencies are in the process of removing her information from my file but I have requested that they submit to me in writing a declaration that they have reviewed her account and it DOES NOT include my information. 
Her name is XXXX XXXX XXXX and her SSN begins with XXXX. 
Mt name is XXXX XXXX and my SSN begins with XXXX. The rest of the digits are identical on our SSNs, they are only one digit apart. 

As they have already mistakenly combined our accounts, I want written assurance that my info is not on her credit report as well.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (VT)

On XX/XX/XXXX I was involved in a truck VS. bike accident. I was the bike rider. This accident required transportation to a hospital and hospital charges that were paid for by accurate billing to my accurate insurance, via a card that I provided. Over the next 11 months my lawyer and I were contacted repeatedly by Florida XXXX XXXX about an outstanding bill. Florida XXXX XXXX was provided with my accurate insurance information. On XX/XX/XXXX I was sent a " FINAL NOTICE '' from Florida XXXX XXXX for this balance as they appear to have been incapable or unwilling to update their billing information. Included with this note was a statement was a reference that the matter would be handed over to a collection agency. on XX/XX/XXXX I sent XXXX via registered mail a note that included copies of these insurance cards. I also informed them that I would be happy to send copies of that note to the collection agency, as well as my lawyer, and let them know that if I was contacted by a collection agency, I will consider that referral harassment. 
Today XX/XX/XXXX I received a letter from Gulf Coast Collection Bureau attempting to collect this outstanding debt. I'm in the process of contacting a lawyer.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Fraudulent information is linked to my identity. Accounts and transactions were wrongly attributed to me without consent, causing distress. I'm an identity theft victim and have reported this. This urgent issue is harming my finances and reputation. Remove all fraudulent information from my credit report quickly and investigate thoroughly. I'll provide evidence and may take legal action if needed.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : Account number : XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
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. (AZ)

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.
Consumer complaint received 2024-09-26
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I have recently reviewed my credit report and am quite concerned to find accounts and inquiries from entities with which I have had absolutely no affiliation or communication for consent. Specifically, I see two XXXX XXXX XXXX accounts and four inquiries from various sources, including XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXXThis information is alarming and is negatively impacting my current creditworthiness.I expect my profile to be updated promptly to reflect the deletion of all mentioned accounts. Please address this matter as soon as possible.
Consumer complaint received 2019-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2019, I received a letter from Capital One, stating they deactivated my old card due to due fraud on behalf. I was to be reimbursed for the fraudulent activity. I received a new credit card, not allowed to activate it. After weeks of sending proof of identity, they called my energy supplier to confirm my residency. I was then told Capital One closed my account because I missed a payment on my old card. I didn't have the card in my possession and was told I had a returned check payment. I tried to explain that the person that stole my wallet/phone had access to all my information.