davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report I was caught surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2600.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$3000.00} XXXX  XXXX  XXXX {$3300.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX {$380.00} XXXX  XXXX {$450.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} XXXX XXXX {$1900.00} XXXX  XXXX {$370.00} XXXX  XXXX {$1200.00} XXXX XXXX {$96000.00} XXXX  XXXX {$840.00} XXXX  XXXX {$1100.00} XXXX XXXX {$770.00}
Consumer complaint received 2023-01-06
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. (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 EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

There's a fraud alert placed on my credit report. At the time, I didn't recognize any fraud reported so I requested that the credit bureau remove the fraud alert. They gave me grief and continued to say they would remove it yet they have failed to do so. I've been calling and writing letters to remove the fraud alert for the past couple of months. 

I figured that since they have failed to comply with removing the fraud alert per my request, that I would request that they add my phone number so that way if I do apply for credit then the company could call me and I could verify my identity. They have still failed to even do this. 

I'm in the process of trying to purchase a vehicle and this is the only thing holding me up. The dealership runs my credit every couple of days as the credit bureau said it would take 24-48 hours to update on my credit report, yet it still hasn't. 

At this point, this has gone on far too long. I need help and assistance to get the fraud alert removed from my credit report.
Consumer complaint received 2022-01-27
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. (SC)

I have asked for my credit report to be accurate, removing delinquent accounts or providing proper debt validation as well as taking down all proper addresses, work places and phone numbers except for what is current. I have been a victim to fraud and do not want all these addresses and numbers that are incorrect on my credit report. I have written several letters and have been ignored every time.
Consumer complaint received 2020-06-11
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent
Consumer complaint received 2020-06-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-06-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-06-11
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. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} IXXXX XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$40000.00}
Consumer complaint received 2022-03-02
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. (GA)

TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (FL)

On XX/XX/XXXX about XXXX XXXX, I received a call from collection agency. Prince-Parker and Associates, Inc. 

Prince-Parker & Associates , Inc. employee, XXXX XXXX : who has no employee ID, but did give an Account number XXXX as overdue for {$160.00} XXXX said right at the beginning of the conversation that she was reporting me to the collection agency today, XX/XX/2020, unless I paid today and my credit would be impacted unless paid today. 

I asked her to please make sur e conversation Is recorded and give me record identifier of this call. XXXX defused and said their company does not have any procedure to identify a call. 

Next she said that collection letters were previously sent to me, from Prince asking for payment. She read me the letter and date of the letter she said was from Parker Prince to me from weeks ago. 


I asked her to send me the letter. 

I told her I am tremendously familiar with the bill and it is an error on XXXX XXXX and already received one apology from them incorrectly billing XXXX  XXXX, when we disconnected the service and went to XXXX  internet. 

I told her I never received that letter and her reporting me is defamatory. I asked for the letter be emailed to me. 

By the afternoon, I did not get the letter and Called back today and got XXXX supervisor. 

I again requested the letter XXXX said Prince sent already. 

The supervisor sent me a letter from Prince dated today!!!! 

There was no earlier letter than one from today. 

Also the e XXXX XXXX account they are attempting to collect is in error and not owed. We have proof. 

We had XXXX  home phone, XXXX cellular service and XXXX XXXX and discontinued XXXX  when we started XXXX - I have receipt of paid in full for att uverse. 

Regardless, we spoke with XXXX at XXXX  employee ID XXXX MADE a ticket XXXX and said it would be fixed within 24 hours and Att would remove the bill and inform Prince. 

Prince Parker, through XXXX, regardless, threatened to report today to the credit bureaus on the phone call this morning, at XXXX XXXX if payment was not received today. That was their first contact with me. additionally it is pretty clear they also lied and made up a story about previous correspondence Additionally she read from a letter she said was from Prince to me and mentioned dates of letter weeks ago and she said was mailed from Prince to me demanding payment and I ignored their letters. 

I am pretty sure this too is a made up story and a strong arm tactic. 

So, as a recap this prince Parker collection agency seems to be scamming people.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have the monthly payment of XXXX + XXXX going to principal only. This is set up on a military allotment and has been for some time. I have attached the pay statements that show the money leaving my pay each month for the last several months. When XXXX/XXXX   went bankrupt and Shellpoint took the mortgage in XXXX I attempted to change the allotment code to Shellpoint 's code but not a single person out of approxiamately 15 people that I spoke with knew what I was talking about. My latest mortgage statement reflects that I have delinquent payments that are keeping me from buying a home. I have spoken with numerous people over the course of 13 days and never accomplished anything. I was told that I would be called back and never received a call. I have attempted to provide the trace numbers for the payments but Shellpoint said they couldn't do anything with them. XXXX XXXX XXXX XXXX can not pull the money back once it has gone to the corporation it was allotted to, it must be returned by the company. At this point none of the monies have been returned and have not been paid to my account either. I paid above and beyond to get my account current to preclude any further delay from being able to purchase the house I'm trying to get. I have had to explain this situation to every single person I've spoken with because I get a different person each time. Even the ones that seemed thart they might actually be trying to help failed to obtain results. As of XXXX XX/XX/2020, I still have not gotten any resolve nor proof that my credit reporting has been corrected. My prposed lender simply asked for a letter that stated that it would vbe reported that I have 0 x30, 0 x60 & 0 x90 days late payments. XXXX in the credit department stated that  she submitted this request on the XXXX of XXXX and when I called today I was told that there was no way to verify this because the customer service representative did not know when credit was reported. I requested XXXX and was told that " I must not have spoken with her because the credit department doesn't take calls ''. A supervisor was to review my file and call me back and a call was never received. Needless to say I've stopped my allottment and will no longer utilize the service that the military provides me because of the incompetance of shellpoint to correctly apply said monies. I'm currently out {$2100.00} that should have went to my account which has a principal balance of less than {$16000.00}. Today 's customer service representative also stated that I had been late 2 times in the last 12 months. As can be seen by my retirement pay statements that is not the case. These payments are made on the XXXX of every month. Please help me get this resolved before I get a mortgage fraud investigation started.
Consumer complaint received 2022-03-02
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: BMW Financial Services NA, LLC (FL)

XXXX*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. 

Diputes : XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX
Consumer complaint received 2020-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My wife and I are trying to close on a house we had built. Our loan agency began requesting all 3 credit reporting bureaus remove all disputes, starting in XXXX. These disputes were done a year ago, so well over the 30 day window. We have requested, including in writing and signed that these disputes be removed. This was done well before the pandemic hit this country. Today we still haven't heard from Transunion and the disputes haven't been removed. They are not reachable by any means. My wife and I are both nurses, and need in our new home as our lease has expired. I don't know who else to turn to for help, but this is outrageous.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (WI)

On XXXX XXXX Discover announced that they would offer 10 % cashback ( doubles 1 year later to 20 % for new members enrolled in double promo which was me ) for all XXXX Pay purchases using a Discover card. Press release available XXXX I contacted them XXXX to ask about any transaction restrictions and advised there were none. Due to the incredible value of the promo, {$1000.00} cashback on {$10000.00} purchases doubled to {$2000.00}, I decided to buy XXXX Watch for nearly {$350.00} as it would be profitable. 

On XXXX, Discover changed the terms to exclude gift cards. They had 9 days of internet speculation and the promo was already live and then they decided to exclude gift cards. They did not, however, update their terms and conditions until later that evening. I have the original terms along with my XXXX conversation which I will upload. 

Further, on XXXX XXXX, they sent messages to many card members stating purchases we made contained a gift card and would not be eligible unless we provide a receipt to prove otherwise. There are many reports online of people who received these emails for purchases that did NOT contain a gift card. This means Discover is guessing based on transaction amounts and retailers and now, days short of two months after announcing the promo, expecting cardholders to have saved receipts we were not told to save. They are placing the burden on us. Guilty until proven innocent. 

In addition, Discover has no definition of what is a 'gift card '. I purchased some XXXX Cash Reloads which are not classified as gift cards and are used to load a XXXX account. 

So Discover has changed terms twice, once to exclude gift cards and now two months later to require receipts we were not told to retain. We only have 21 days to provide receipts. I authorized Discover to obtain receipts XXXX which they said may take 30 days. 

How can Discover run a promo that they do n't have the infastructure to support? If they ca n't prove a gift card purchase, they ca n't exclude it. If they want receipts, we need to be told to keep them. It 's just ridiculous and now I 'm out an Apple Watch and many transactions I did assuming I would get 10 % cashback doubled to 20 % because Discover has gone back on their word and been so incredibly unprofessional.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

THERE ARE XXXX CHARGES FOR CASH ADVANCES ON MY CREDIT CARD WHICH I DIDN'T EVEN HAVE THAT MUCH ON A CREDIT LINE I REPORTED THE FRAUD TO BANK OF AMERICA SO MANY TIMES ON THE PHONE IN WRITING SO MANY TIMES ITS STILL ON MY CREDIT REPORT NONE OF THE CHARGES WERE AUTHORIZED OR VALID I WANT ALL THE CHARGES REVERSED THEY WERE REVERSED AND THEN THEY DECIDED TO PUT THEM BACK ON MY CARD???? 
NONE OF THE CHARGES ARE VALID ...
Consumer complaint received 2020-06-11
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. (AR)

My brother informed me that I received a letter in he mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone had given my name and social security numbe4r to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2020-06-11
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. (GA)

This account was opened fraudulently in my name. It was disputed buy all 3 credit reports and moneylion removed the account from two of my accounts the re-entered an update the fragile information on my Experian report. I haave provided police reports and fraud Affidavits and the account is still reported. I have made several attempts to contact them but I am hung up on every time
Consumer complaint received 2022-03-02
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. (CA)

In XXXX of XXXX my Mortgage Servicing was transferred to XXXX XXXX XXXX servicing My new Act. # was XXXX. I was previously under a forbearance with the prior servicer XXXX XXXX  Act. # XXXX. I contacted XXXX by phone i Early XX/XX/XXXX. I was due to make first trial payment on a flex modification which had been offered with XXXX and was told by XXXX Loss Mitigation that I could not make a payment before all of the paperwork transferred. XXXX also would not honor the previous Flex Modificaiton for which the first payment was due. I was told a new Flex Mod. would be offered by XXXX. I was also told there would be no negative credit reporting for 60 days under the RESPA Act. so there was time to get everything on track. On XX/XX/XXXX they offered the modification with the and my first trial payment was made on XXXX XXXX The due dates of trial payments were as follows : First payment : {$1300.00} by XX/XX/XXXX Second payment : {$1300.00} by XX/XX/XXXX Third payment : {$1300.00} by XX/XX/XXXX All payments were made prior to due dates. 

Despite the Respa protections and despite my being in the process of receiving a federally backed Flex Modification due to hardship caused by coronavirus XXXX reported the loan as 120 days past due for the Months of XXXX, XXXX and XXXX of XXXX, This reporting is counter to the requirement of the Cares ACT SEC. 4021. CREDIT PROTECTION DURING COVID19. This Act states that during the period of an Accommodation a borrowers account shall be reported as current the text is below.

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current I am attaching the Modification Offer, a copy of 4021 of the cares act and my Credit Report. I am also sending the final paperwork completed in XXXX of the successful Modification.
Consumer complaint received 2022-03-02
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. (GA)

I have a charge off account from XXXX XXXX on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by XXXX settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by XXXX XXXX & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, Trans Union, and XXXX who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case