davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had contacted Experian report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made to me.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc. (GA)

This is in regards to M1 Finance. This 2nd complaint is being entered for not providing me with access to the balance of my funds. The 1st complaint was for stolen funds. 

1. I'm a victim of Identity Fraud.

2. XXXX hijacked my account and I could not gain access for 5 days. M1 could not access either. Several communications a day to resolve. 
3. XXXX changed my profile to his and attached his external bank account and commenced to sending out {$8500.00} in ACH 's. At no time did M1 confirm his identity or validate the changes with me. 
4. M1 states " that I logged in and created the ACH 's ''. Which is wrong. Check the IP address!! Why didn't they ask for his ID?

5. I asked M1 to review all transcripts regarding the fraud and advise how I was at fault for their inferior controls. 
6. ACCOUNTS FROZEN. I asked M1 to put a freeze on all my accounts for 30 days. They advised it would automatically revert at 30 days. 
7. ACCOUNTS REMAIN FROZEN - It is now two weeks past the unfreeze date. I submitted an image of me holding my drivers license to prove my identity for the release. STILL NOT RELEASED. This is now an emergency situation.

Resolution requested : Return my stolen funds. Release my accounts so I can gain access! I am the wife of a XXXX XXXX XXXX  I will continue to pursue and will involve social medial, news stations, the VA and legal counsel. Let 's do the right thing!
Consumer complaint received 2023-06-07
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. (IL)

On XX/XX/2023 I requested through writing request that the following inquiries and the in its companies remove these inquiries ... .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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .. All these inquiries were done without my consent and didn't pass thru thefraud alert have on my account but TransUnion continues to report as if committed them and I didn't. I have requested that it be removed from all credit reports and TransUnion is the only credit reporting agency how has take my request seriously. TransUnion has allowed fraud to take place and not protect my credit even I have a fraud alert but the inquiries remain. This is my third request to resolve this problem. Next time will result in legal
Consumer complaint received 2023-01-01
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. (OH)

The credit reporting agency is reporting information that is inaccurate. I notified them of these inaccuracies in XXXX and they have yet to respond and it has been over 30 days.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCollect, Inc. (DC)

i received an alert on my credit report for a debt collection of  XXXX  for " City of  XXXX  '' I live in   XXXX     XXXX   and have  zero b usiness with the City of  XXXX  or Delaware. This is the firs tim hearing about this and I have  zero kn owledge of this debt and why its being reported to my credit bureaus. i dont owe for this and it is a mistake
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2023-02-13
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. (GA)

This was not sent in error I am a consumer by law and it has come to my attention that Experian have been reporting my transactions with XXXX XXXX to the consumer report. This is illegal according to 15 U.S. Code 1681a. What happens when someone is late, their charged a late fee which is a transaction. So therefore, if transactions and experiences are not included on my consumer report then Experian why are you reporting late payments on my consumer report.
Consumer complaint received 2024-11-20
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-01-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (VA)

XX/XX/2023 I received a letter from XXXX XXXX XXXX XXXX Illinois XXXX XXXX dated XX/XX/2023 regarding a debt that I do not owe. I am requesting in writing for XXXX XXXX XXXX XXXX Illinois XXXX XXXX to provide me with verification of this debt. This has not been done. 

Thank you.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX # XXXX, PORTFOLIO RECOVERY # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from Portfolio Recovery, XXXX XXXX XXXX, and XXXX  XXXX. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Consumer complaint received 2023-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

- Since my brother 's death, I have made 15 mortgage payments on this account totaling over {$20000.00}, but Truist Bank still refuses to apply a single penny of it to the account. 

- Truist Bank has made several empty promises to me to resolve this issue in the last 15 months, but have taken no actions to resolve this matter. The Garn-St.Germain act requires mortgage lenders to work with survivors to allow them to assume the Loan Modification which was under way when my brother died. 

- Truist Bank completely ignores their responsibilities as listed under the Federal Laws covered by the Garn-St. Germain act to assist the survivors of a deceased mortgage account holder. 

- I have even had the deed to the property retitled in my name, but still Truist Bank refuses to provide any actual assistance to me and my family. 

TRUIST Mortgage Loan # XXXX My name is XXXX XXXX. I have been appointed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland ) as the Personal Representative ( Executor ) of my deceased brother 's estate. I am also the legal next of kin as well. This VA backed loan is under his name XXXX XXXX XXXX, and he passed away on XX/XX/XXXX. I immediately contacted the bank and made them aware of his passing and that I will be taking over monthly payments. There have been 15 monthly mortgage payments made since his death. TRUIST has been in possession of the following documents since XX/XX/XXXX : -- Death Certificate -- State of Maryland Letters of Administration ( Personal Representative ) -- Homeland Security Form required by TRUIST. My brother was coming out of a forebearance plan with TRUIST and was given a Loan Modification Package which arrived after his death. I have been promised repeatedly since XX/XX/XXXX that this modification package would now be sent to me to administer as part of the estate. As of today, XX/XX/XXXX, I have not been given any control over this mortgage, even though I have often reminded TRUIST of their responsibilities under the Garn-St Germain Act, again with no response and no one assigned to work with me. Please advise what courses of action are available to me. Thanks for your assistance, and please advise if you need copies of any documents I have. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
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. (WI)

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX ( ACCT # XXXX ), XXXX XXXXXXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX XXXX ACCT # XXXX ) and, XXXX XXXX XXXX ACCT # 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: SECURITY FINANCE CORP (WI)

On XX/XX/XXXX I checked my credit report on XXXX and seen that I had a open loan for the amount of {$1300.00} from Security Finance Corporation with a monthly payment of {$150.00} a month. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called Security Finance Corporation and was transferred to XXXX to do a fraud dispute. XXXX informed me that Security Finance Corporation purchased my information from XXXX and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at Security Finance Corporation at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I pulled my report and still see the accounts that I have been disputing appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed on my credit report ASAP.
Consumer complaint received 2024-11-19
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. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX ....
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

To Whom it may concern, I recently challenged the validity of I.C. SYSTEM, INC ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.
Consumer complaint received 2019-12-04
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  ; Experian and XXXX  are reporting incorrectly a collection/charge-off on the XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/XXXX. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score.  These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I took out this loan in XX/XX/XXXX to help pay off my credit cards. It was offered to me through XXXX XXXX. I fell behind in my payments due to the mortgage interest rates raising in early XXXX and Im a XXXX XXXX that is greatly affected by the mortgage industry decline. I told the company this. They offered lower payments, but I told them I was paid on XXXX. The payments started to come out on different days, causing them to bounce from my bank. Net Credit applied {$25.00} late fees, but no where in there materials does it state they apply additional interest. I caught up with my late payments today, but noticed when I did this, the payoff on my account is {$8800.00}. The make the payment screen is the only screen that shows me this figure. When I look at the first screen when I log in, which is my account summary screen, the loan balance shows {$4900.00}. That is a difference of {$3800.00}. When I look at my loan details screen, I see the late payments, the charge interest is no where disclosed. On my summary screen with my loan principle remaining of {$4900.00}, there is no disclosed interest owed and nothing shows a total balance, which leads me to believe I owe {$4900.00}. My loan details screen does not show {$3800.00} in interest anywhere, and my Full payment schedule doesn't show it. I called an inquired about showing the breakdown of {$3800.00} to me. I was on the phone with a representative for 41 minutes. He was nice, and tried to be helpful, but he kept telling me he showed on his screen I owe {$8800.00}, I told him that doesn't show on my summary screen, and I can not locate any breakdown that shows me the charges between the loan balance on the summary screen and the payoff in their system. He couldn't find anything to provide to me. I know under the laws and the fact they have an NMLS # they have to be fully disclosed to show me a breakdown of the payoff, but they don't have one. I want to pay this loan off, but I need to shown the breakdown of the different between the loan balance and the amount due.
Consumer complaint received 2021-01-29
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: Alpine Credit, Inc (CO)

On XXXX XXXX, XXXX, ALPINE CREDIT INC ( Opened XXXX XXXX, XXXX XXXX add a derogatory mark on my credit reports. ALPINE CREDIT INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

I have been paying my mortgage payments to    XXXX   XXXX   XXXX   XXXX    on time for many years. My account was clean with them. Now we have new loan handler " Home Point Financial '',  XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX  ''. Their new statement says that I owe {$61.00}  (  Overdue amount ). I asked them to clarify the statement. They have send me the e-mail saying that I owe them from   XXXX   XXXX   and   XXXX   XXXX     I paid {$2300.00} on  XX/XX/XXXX  but due to some reason they have no record of receiving the    XXXX   XXXX    payment. I talked the agent and paid  XXXX  ( wire transfer ) and got the confirmation #  XXXX  that my account is clear. I paid on  XXXX  and  XXXX  and  XXXX  on time.   THE PROBLEM : The new company is not cooperating in correcting the problem. I need help.
Consumer complaint received 2021-01-30
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. (AL)

This account is not mine. The contract had me as a primary and I never attend the school. Im a federal employee and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a lawyer, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.