davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
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: CORELOGIC INC (CA)

My name is XXXX XXXX. I am in the process of applying for a mortgage with XXXX XXXX. XXXX has mistakenly mixed up my brother XXXX XXXX credit report information with mine. As a result, my brothers 2 mortgage accounts 1 ) XXXX XXXX Bank with balance {$950000.00} and 2 ) XXXX XXXX XXXX with balance {$290000.00} were included on my credit report. Within the past 2 weeks, we have contacted XXXX more than 6 times. They claimed that the problem was fixed and these 2 mortgages are no longer on my account. However, when I tried to run my credit report on XXXX.com ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) all these 3 reports are still showing my brothers 2 mortgages. The system still identified me as XXXX XXXX with my brothers date of birth, last 4 digits of SSN, current and former address. 
XXXX  has sent me a copy of my report dated XX/XX/XXXX ( confirmation # XXXX XXXX. Although the information on this report is correct, my concern is the 3 reports that I pulled on the XXXX  portal after XXXX are still showing the errors. 
XXXX  is unable to explain the discrepancies. When my lender pulled my combined credit report via Credco on XX/XX/XXXX, it is still indicating that XXXX is reporting my brothers mortgages on my report. The Credco Report also indicates that I am AKA XXXX XXXX ( the 2 of us with DOB 6 years apart! ) This has severely jeopardized my underwriting process. 
I have also filed 2 online disputes based on the above incorrect information at XXXX Confirmation # XXXX and # XXXX. Initially, I was able to track the progress but these disputes suddenly disappeared from my online profile 2 days ago. I tried to file new dispute based on the incorrect data on XX/XX/XXXX but the system did not allow me to do so.
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PNC Bank N.A. (NC)

I have attempted to make sense of the amount allegedly still owed to PNC Bank on my vehicle purchase agreement, which among other things, has led me to believe they and/or the other party involved have committed fraud in factum. PNC has denied me the right to refinance my agreement rate ( XXXX ) which would greatly help reduce the amount I pay out over the course of this alleged agreement. I would have been able to make a better more informed decision if I had the upfront, clear and concise information that I would not be able to refinance after a certain period of time had passed and/or mileage was added to this automobile that I purchased. I also did not in fact receive an auto loan according to the law, as the amount for the vehicle that I purchased was paid out directly to XXXX XXXX XXXX XXXX here in North Carolina ( the other party involved ), so they are the ones who in fact received an auto loan, by lawful definition. Attempts at refinancing as well as hardship requests have been denied ; the maximum number of requests a consumer is allowed is three according to one of the PNC Bank representatives I spoke with concerning this matter; again, something else I was not made aware of prior to signing this agreement. Last but not least, PNC nor XXXX XXXX of XXXX made me aware of my rights to rescinds this contract nor my right to opt out of credit reporting.
Consumer complaint received 2023-07-08
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. (TX)

I want to inform the XXXX AND TRANSUNION Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2023-07-08
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This is my 2nd 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 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 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 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 2023-07-08
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. (NY)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-09-12
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. (NJ)

My credit report is still showing late payments on XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TN)

World Finance is reporting account # XXXX on my credit report as 119 days past due and also as a charge off. It can't possibly be both. There are also incorrect dates posted, and the balance is XXXX so I'm not sure how they could be reporting it as past due. They are guilty of several violations including, FDCPA 807 false and misleading representation, 809 validation, Fair Debt Credit Act Law 111-203 title X124 Stat 2092, Fcra 15 usc 1681b accuracy of reporting, False Claim Act 31 usc 3729-3733
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I needed to file a dispute with a creditor via Transunion, so I called them for assistance. I was told that I have to file a dispute directly on the Transunion website, so the representative helped me establish an account. During the last step of the sign up process I was prompted for my credit card number, and verified with the representative that I wasn't going to be billed for any service. The representative told me that I was only being asked for my credit card information so my address with my bank could be verified with the address I provided them. I finished setting up my account with Transunion online and filed the dispute with the creditor after the representative disconnected, but was billed {$24.00} for setting up my account. 

I've called them several times, and every time I manage to get in touch with a representative they end up saying they're going to transfer me to billing and end up transferring me back to the automated service.
Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to formally dispute and report an incident of identity theft that has affected my credit file. I recently discovered that there is a fraudulent account listed on my credit report, which is being reported by XXXX XXXX. The account details are as follows : Account Number : XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$680.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX I have been a victim of identity theft, and I did not open or authorize this account. I hereby request that you launch a thorough investigation into this matter and take the necessary steps to rectify the fraudulent account on my credit report. 

I have already taken the following steps to address this issue : I have filed a police report with [ XXXX XXXX XXXX XXXX ] and have attached a copy of the report for your reference. 

I have contacted XXXX XXXX directly and requested that they close the fraudulent account. However, I have not received any satisfactory response or confirmation of closure. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions : Conduct a comprehensive investigation into the fraudulent account and the associated information. 

Remove the fraudulent account from my credit report promptly. 

Place a fraud alert on my credit file to prevent further unauthorized accounts from being opened in my name. 

Provide me with a written confirmation of the investigation and resolution of this matter. 

I have attached the following supporting documents for your review : A copy of the police report filed with [ XXXX XXXX XXXX XXXX ]. 

Any additional supporting evidence related to this incident, including correspondence with XXXX XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this identity theft issue.
Consumer complaint received 2023-09-12
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. (MD)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX XXXX {$3200.00}
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (TX)

This is my 8th 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 alleged fraud or extortion. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : 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 2023-09-12
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-12
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CO)

I have received communication from Mohela to repay my discharged XXXX students loans effective XX/XX/2023. I don't understand why they are sending me this information if they already have the letter from the US Department of Education confirming the loans for XXXX university were all discharged. I do not want to want until I begin to have additional problems with my loans. I would like them to process the discharge immediately. 

I also would like a more comprehensive listing of all payments I have paid to All servicers that have managed my XXXX University student loans. Per the discharged agreement, these payments should have been fully refundable to me. I have only receive a partial payment. 

Lastly, I would like all payments paid on my son 's student loan ( XXXX ) to be evaluated and counted towards my PSLF counts. My PSLF counts need to be updated through XXXX, 2023.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (AK)

On XX/XX/year> I refinanced my car loan from Santander Consumer USA ( auto loan company ) to a local Alaska bank called XXXX XXXX XXXX XXXX that offered a lower interest rate. I met with the XXXX XXXX XXXX loan officer on XX/XX/year> ( a Saturday ) and completed and closed out the car refinancing loan. The following week ( between Monday and Friday, today ) a pay-off check was sent from XXXX XXXX XXXX to Santander with XXXX # XXXX. On XX/XX/year> Santander emailed me to call them regarding my car loan payment. I called them and spoke with an agent # XXXX and then with a manager # XXXX who threatened to send my name to a credit collections bureau due to non-payment of the Santander monthly car loan. I explained that I closed on my new refinance loan with another bank but they said I needed to pay for " overages '' charges. I asked if I would be refunded those payments, as my monthly payments were a hefty {$550.00} and they were demanding payment for XXXX and XXXX, once Santandar receives the pay-off check and they said no, it would be " overages '' charges applied. During my meeting with XXXX XXXX XXXX overages charges were already applied and included in the pay-off amount which was agreed upon by all parties includibg myself, XXXX XXXX XXXX and Santander. Any other Overages charges were not agreed upon following the pay-off discussion. I was told by the Santander manager that XXXX XXXX XXXX had 15 days to pay off the loan and Santander records show it was not yet paid off. Then they said it was my responsibility to pay any Overages charges that were accruing during that 15-day period. Once I became suspicious and questioned their intentions, the manager changed the narrative and said Yes I would be refunded. My entire conversations with the agent and manager were recorded. When I relayed to them I would file a complaint they both refused to repeat their names, which were provided to me at the beginning of our conversation ; however, they did give their employee numbers. I did not pay any Overage funds to them but ended the call abruptly when I realized their actions were suspiciously fraudulent. 
I shared with Santander agent and manager that I recently had a major XXXX XXXX XXXX and that I am elderly and I believe they targeted me for fraud because of these reasons. Thank you.
Consumer complaint received 2023-09-12
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. (MD)

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 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 2023-09-12
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: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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