davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-08-29
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: WELLS FARGO & COMPANY (CO)

I have reached out to the credit bureaus and the creditors Well Fargo, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and XXXX ( Original Creditor : 05 XXXX XXXX XXXXXXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
Consumer complaint received 2020-12-31
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)

XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NY)

I am submitting this complaint because I am being extremely affected by TD Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

Also, by the time of the late payment, I was affected by XXXX. People in home came down with the virus too and due to this I was not checking mailed statements. 


Account : Balance {$100000.00} Opened XXXX XXXX, XXXX, I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 


Thank you.
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC. (CO)

This company has commuted third party disclosure fraud twice. They initially sent me an email with no security protections that led to third party disclosure describing my debt owed. They then called a number associated with me, and again withough verification of the consumer, began releasing private information to a third party. When questioned about the disclosure, they hung up the phone.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I was granted a forbearance on my home loan from SLS ( Specialized Loan Servicing ) and a payment was due on XX/XX/XXXX. With all that had occurred during XXXX, I was making an effort to stay ahead of debt, so I made my XXXX payment on XX/XX/XXXX. I signed online to make a payment today for XX/XX/XXXX, and my account stated that I was past due for XXXX. I called them and advised that I had made a payment in XXXX for XXXX and they told me that they had applied it towards my principle amount. There is an option that you select when paying online if it's to be applied towards the principle, and my confirmation clearly states that I did not request it to go towards my principle. Not only is it reporting me to the credit bureaus as delinquent, but they charged me {$150.00} late fee ( for paying early ). I planned to keep my payments current in XXXX to refinance to another mortgage company and I feel that they are sabotaging my effort and charging me additional fees that weren't warranted.
Consumer complaint received 2020-12-31
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. (NJ)

To whom it may concern, I noticed on my credit report, a charge for {$39.00} from XXXX XXXX XXXX, without any notice. I never received any letters from XXXX or XXXX XXXX XXXX. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (SC)

In reviewing my report from Experian, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Experian automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Account XXXX XXXX XXXX XXXX XXXXXXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX  XXXX XXXX, Account XXXX XXXX XXXX please delete. not my account. I do not know who this information belongs, but it is not mine.
Consumer complaint received 2020-12-31
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. (NY)

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2020-12-31
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: EQUIFAX, INC. (NY)

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2024-03-21
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. (GA)

I am a victim of identity theft and someone used my personal information to obtain these goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts. I am requesting for Transunion to remove and delete these fraudulent accounts immediately or legal actions will be taken against Transunion and any affiliating creditors under FCRA XXXX. 
XXXX XXXX XXXX ACCOUNT NUMBER # : XXXX BALANCE : {$4800.00} XXXX. XXXX XXXX ACCOUNT NUMBER # : XXXX BALANCE : {$2600.00} I have attached a copy of my police report to support my claim. Thanks.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I took out a loan in XX/XX/XXXX and paid it of in XX/XX/XXXX. It was reported as so for the following months.

Recently, I took out another loan with the company in XX/XX/XXXX. Suddenly, the old account began reporting as 60 days late. I contacted them and they fixed it, however, it is now reporting 30 days late from XX/XX/XXXX and XX/XX/XXXX. This is after for the past 9 months it has reported on-time. Why would my credit report on an account that was closed 3 months ago suddenly change???

I am in the middle of a refinance and this is very detrimental. I respectfully request that this account be updated to all payments on time, as has been reported every month until now - months after the account was closed. This is erroneous information and in contradiction to what has been previously reported.

Furthermore, this is at tribal loan company that should actually not be reporting to credit bureaus in my state at all.
Consumer complaint received 2024-03-20
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. (IL)

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (LA)

Sunrise Credit Services at XXXX XXXX XXXX, XXXX, NY XXXX XXXX, has been sending me collection notices in the amount of {$160.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXXXXXX Account # : XXXX
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP (TX)

I cancelled my membership with XXXX  XXXX via letter in XX/XX/2019. When I noticed I was still being charged to my Bank of Texas checking account I went into a local branch XX/XX/2019 to advise and was informed by a banker that it would be looked into and addressed. Fast forward to the end of 2019 and while moving over to XXXX XXXX I receive a letter telling me I owe over {$600.00} in overdraft fees because they paid for my gym membership. A membership I cancelled and told would be looked into coupled with the fact that I optd out of overdraft protection to prevent this issue. A Regulation E investigation should have been launched so that I would have been protected. 

I paid the fees and obtained a paid in full letter but now I can not open a new account because they are reporting the account to XXXX XXXX.
Consumer complaint received 2020-12-31
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. (LA)

Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus TransUnion, XX/XX/XXXX and XX/XX/XXXX to remove these accounts but they have to respond.
Consumer complaint received 2021-08-29
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: Experian Information Solutions Inc. (NJ)

Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...
Consumer complaint received 2021-08-28
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. (FL)

I have been trying to get the late payments removed from my report on my Mortgage Loan. XXXX has complied ( attached ) however Transunion and XXXX has refused with no method of verification supplied.
Consumer complaint received 2020-12-31
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)

Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.
Consumer complaint received 2020-12-31
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. (FL)

Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Due to extreme hardship and unjustifiable increase in my escrow payment, I defaulted in my mortgage payment. Subsequently, PHH Mortgage predecessor mortgagee commenced a foreclosure proceeding against my property. I interposed an answer and i filed a modification application in my efforts to keep my home. On or about XXXX/XXXX/20, PHH Mortgage approved the modification application after two years. In consideration thereof, I was required to pay a monthly payment of {$2100.00} from XX/XX/XXXX2020 through XXXX 2020. I made all the required payments for the trial period and payment were accepted by PHH Mortgage. 

Subsequently, PHH Mortgage alleged that a title search was conducted and a tax lien was recorded against my property by The XXXX of XXXX XXXX. I promptly made the payment on XXXX/XXXX/20. However, due to the pandemic and specifically because most city employees worked from homes the Notice of Warrant Satisfaction was not prepared and filed expeditiously despite my request that time was of the essence. On XXXX XXXX, 2020, the XXXX XXXX XXXX Department of Finance processed and filed a satisfaction of Judgment with XXXX County. However, on XXXX XXXX, 2020, PHH mortgage denied and cancelled the modification agreement signed and completely performed by me in that I had already paid the three months trial period payments. 

PHH Mortgage in total regard to the prevailing pandemic in the country wherein most offices are not working at their full capacity unconscionably denied my modification application predicated on the fact that the XXXX of XXXX XXXX delayed in processing the Satisfaction of the within tax lien. 

It is noteworthy that I am not in violation of the modification agreement in that satisfaction of the aforesaid tax lien was not a condition precedent to have a final modification agreement. Also, I promptly made payment to the XXXX to satisfy the lien and the delay in filing satisfaction of lien was not my fault since I don't have control over the internal operation of XXXX XXXX XXXX Department of Finance. 

It is submitted that the PHH mortgage decision to denied and cancelled the modification agreement which they prepared and signed by me is capricious, arbitrary, unconscionable and breach of the same agreement since satisfaction of tax lien was not a condition to a final modification agreement.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have received numerous inquiries from Capital one and I did not authorize them. In addition, Capital one recently reported me 30 days late on my payment in XXXX. This information is inaccurate. I was not 30 days late on my payment. I made payments on my account even when they inaccurately had me assigned to another company. Capital One sent me no statements, blocked all access to my account, and would not talk with me about my account. I called and called talked with numerous reps and then finally a manager and finally was able to get them to correct their mistake. The manager promised my credit report would be corrected, but it has not been. I faxed them and even sent them a certified letter regarding this matter.
Consumer complaint received 2020-12-31
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. (FL)

I have inaccurate account 's on my XXXX, XXXX, Experian credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020
Consumer complaint received 2021-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources (NC)

I do not know who FIRSTPOINT COLL RESOURCES INC nor how they got my information. I never gave them my consent to contact me. They've created an account in my name and using my identity. It is harming my consumer report and defaming my character. Furthermore, I've asked FIRSTPOINT COLL RESOURCES INC to remove this alleged debt but they refuse to do so. At this point, I've been injured and my consumer report have suffered severely. It's causing emotional distress and frustration.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (NC)

Have been repeatedly requesting the payoff of this mortgage since XXXX XXXX. My Realtor and Closing attorney have also requested. We have attempted to escalate several times and still no payoff has been sent. This payoff must be given today or the transaction will not close. It was suppossed to close orignially on the XXXX of XXXX. All Selene Financial says when we reach out is the payoff will be sent today. Each day no payoff is sent.