davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter o Transunion to update my personal information such as my addresses on my credit report. They updated the addresses but changed my primary name to  XXXX  and I sent them a copy of my ID and utility bill. I called inform that, my name is incorrect on my credit report and I was told that I need to contact my creditors to tell them to report my name. My name that I use with all, my creditors is  XXXX , even my ID and utility bill that I sent shows that. I spoke with  XXXX   XXXX  at  XXXX  on  XXXX / XXXX /  XXXX   and he said they changed my name because one collection agency by the name of  XXXX  sent something with  XXXX  and that 's why they changed it. I asked him how can they change my name for one creditor when I sent in my Maryland  State Driver  's license and Utility bill. I called back at  XXXX  spoke with  XXXX  and he said that the same thing that my creditors had to report my name  XXXX   XXXX  when all my credit cards are reported with the last name  XXXX   XXXX  I called again at  XXXX  and spoke with  XXXX  and she states the same thing.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/XXXX, I submitted an application for an XXXX XXXX ( XXXX ) credit card. Initially, I had only lifted the credit lock and unfreeze with XXXX. However, XXXX managed to retrieve my credit information from both XXXX and TransUnion. When I contacted TransUnion, they asserted that my credit had not been locked or frozen at the time. 

I was certain that my credit had been locked since XX/XX/XXXX because TransUnion allowed my second identity theft incident to occur, which prompted me to initially set up the credit lock. It was in XXXX when I realized they had done the same thing to me in XX/XX/XXXX with XXXX. At that time I thought they had frozen my account and they allowed XXXX to pull my account. 

Additionally, in XX/XX/XXXX, I fell victim to identity theft. This occurred because TransUnion permitted XXXX  XXXX XXXX to access my credit information for someone who pretended to be me, and I had an alert on my account at the time. When I inquired with TransUnion about why they allowed this access, they explained that they had seen the alert but lacked a contact number to verify with me. I expressed my concern to them, arguing that this was all the more reason they should not have granted access to my credit information under those circumstances.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

My home was scheduled for and sold in an online auction. The auction and sale was illegal and I was never contacted the from the original lender the contact was breach the terms of the contract changed the servicer and lender and investor have committed fraud snd theses documents are fraud and not the original terms. I originally sent a letter to servicer Shellpoint and XXXX XXXX XXXX XXXX XXXX They never answered me then and they misled and I was never informed that The was going to change and that my loan was sold to XXXX XXXX XXXX. I tried many times to cancel my pmi and asked why was I paying all the extra fees for property preservation and FHA mi XXXX XXXX XXXX XXXX. My loan was paid year. Ago. Ive been complaining and have asking questions and Ive have never been given a response or answers. XXXX XXXX has never sent me any letters I did not know that they were the investors. I believe that Im owed my title to my house. I have been treated unfairly and many people are involved and its corrupt white collar organized crime and my due process rights and have been repeatedly violated and there has been paid politicians who is a house representative and was. The title and home insurance broker agent XXXX XXXX XXXX. I have never meet this person and I did not sign or authorize this and the information on the insurance application is all wrong I have been trying to get this information corrected and theses two company have been misleading and lying making and recommending s c
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Healthcare Finance Direct LLC. (NY)

I had made a purchase of aligners from XXXX XXXX XXXX, in XX/XX/year>, to be paid in monthly installments, until total of {$2500.00}. However, the aligners were faulty, and by XXXX, i had already submitted a claim for new ones. The process for new ones was begun in XXXX, but delayed for months. After months of fail, I began the process for cancellation and refund. During the process, XXXX went bankrupt. So far I have paid {$870.00}. 

I have been receiving calls from a company called HFD, where they have made fraudulent claims over the phone claiming to be the creditor. My contract explicitly states Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider ( XXXX  ). This leaves them without the legal right to continue collecting payments on a contract XXXX  actions have voided. 

The HFD has threatened to send me collections, regardless of having no claim to the payment.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or XXXX ) interactive service agreement. Thank you for updating my account.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/ I made a police report about my identity being stolen. I recently tried to apply for my first credit card and when I denied from it I discovered I had a credit history on my bank app going back 11+ years ago. I was XXXX at the time. These accounts have been in my name owning multitudes of money. One being an American Express card and another bing XXXX XXXX  card and 3 other closed accounts and 6 hard credit checks. I am XXXX now and this is very serious considering my credit is poor and me myself has never personally had a credit card before.
Consumer complaint received 2024-04-23
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Collectors International, Inc. (MI)

On XX/XX/XXXX, a debt collector called my wife stating there was a judgment against me from XXXX XXXX for defaulting on a kitchen repair. The debt collector stated i work and is the point man for XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX. And the address is XXXX XXXX XXXX, MI. The debt collector had my name, DOB and SSN. In which I dont know how these people got the information All these allegations are fraudulent. 

I work full time at XXXX XXXX XXXX as an XXXX  since XXXX. My phone is XXXX. 
The case number is XXXX and the judgement was recorded on XX/XX/XXXX The debt collector also stated I was serve the notice which is a lie. I never was serve any such document. 

Im filing a police report XXXX XXXX XXXX XXXX Police for stolen identity and fraud.
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (FL)

On XXXX XXXX  US Auto Sales filed bankruptcy and closed their doors, as results of this my private financial information was not appropriately transferred to a financial company it was sent to Westlake Portfolio Managment which is a debt collector. I filed a civil lawsuit against US Auto Sales for breach of contract. While my case was in default Westlake portfolio wrongfully repossessed my vehicle and refuses to return my vehicle via court ordered and refused to pay me my deemed monies in the amount of XXXX ordered by the court as well. My civil case was granted and closed. Every time I would be put on hold for long periods and the call would be disconnected shortly after. Westlakes Attorney XXXX XXXX XXXX with XXXX XXXX and XXXX XXXXXXXX XXXX Located in XXXX FL which is the same attorney for US Auto sales filed a motion to vacate/ set aside my default judgement on my court case due to bankruptcy which is not the only violation the broke. My car was in default from the day of purchase. Westlake has continuously harassed me, cause me mental stress and put a financial burden on me due to taking my vehicle and violate many laws. They need to be shut down and investigated immediately.
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS HAVE NOT SHOULD BEEN REPORTED. 


I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX XXXX XXXX WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DONT RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS SHOULD HAVE NOT BEEN REPORTED.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

As of XX/XX/2024 I reached out to XXXX XXXX XXXX XXXX about them reporting incorrect information. 
The date reported in correct was for the month of XXXX. 
All of my payments have been on time. All reports must be 100 % accurate this needs to be resolved now. It has dropped my credit score more than XXXX points because of incorrect information! 
Ive always been on time and ahead. Please resolve this issue immediately.
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (OK)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-14
Product: Credit reporting 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. (NY)

After carefully reviewing my credit report, I cant understand why all this unauthorized inquires that are reporting on my credit report. Please remove all and delete. 
XXXX. XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX. 
XXXX. XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

My loan was transferred from Great Lakes to Nelnet. I submitted a payment on XX/XX/XXXX to be paid/applied on XX/XX/XXXX. Nelnet has not posted the payment and is still showing it as pending more than a week later. This is unacceptable.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I noticed unverified and unauthorized inquiries on my credit report. I would like them removed immediately. 

XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX XXXX XX/XX/2022 )
Consumer complaint received 2024-04-23
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. (GA)

Companies reported hard inquiries to my credit report illegally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (MO)

XXXX complaint experian handled today on on an issue THERE STILL WORKING ON since XXXX of 2022, THIS FRAUDULENT XXXX XXXX COMPANY is predatory and will do anything to keep scores low
Consumer complaint received 2024-04-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with XXXX XXXX XXXX # 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 2023-09-01
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX CRA : Equifax Credit Information Services Address : XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of Equifax, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the inquiries and personal information listed below : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give Equifax furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. 
Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; as of now, you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.
Consumer complaint received 2023-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (NJ)

I have reached out to Navient numerous times in an attempt to lower my monthly payments and/or lower my interest rate. Every time they strongly suggest putting the loan into forbearance until I am able to make the monthly payment. I do not feel this is an acceptable option. 
The loan was acquired by Navient from Sallie Mae in XXXX at the amount of {$10000.00}. Even with the amounts paid since then the loan balance sits at {$10000.00}. There is a current amount of {$38000.00} in Accrued Interest. How is this acceptable? How is anyone alive able to crawl out of this? 
My wife & I were forced to file bankruptcy when the pandemic hit. Yet the loan still stands and payments are still being made. I feel Navient has gotten more than their fair share at this point.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc. (NY)

My credit was ruined out of nowhere from a bill that I never received or had any knowledge of. It was in collections on my report before I even knew the claim they made. If I knew that I was enrolled in classes I would have withdrawn because I didn't live in XXXX county. The school never sent me one bill or any mail making me aware of the fraudulent enrollment. They claim the bill is valid, but have no way to prove it was me that signed up. My kids could starve because times are hard and they stole my credit.