davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

Shellpoint 's website constantly shows no loans and when entering the requested information to " access loans, '' the system says " Something went wrong. Please try again later. '' I have been trying to file our taxes for weeks and every time I try to access the tax documentation from the mortgage servicer, I can't access the information despite being logged in. They need to fix this issue.
Consumer complaint received 2022-10-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b TransUnion are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the inquiry which does not belong to me or was opened without my permission. 

XXXX XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ) TransUnion 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 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX XXXX, 2023, XXXX was taken from my USAA XXXX Checking account and placed into a CD to fund the credit limit for a secured credit card. USAA took a week to order a card and the card was finally received regular mail and not expedited on XX/XX/2023. Since receiving the card it was activated yet I have no usage of my available credit limit which is my money taken from my checking account due to usaa declining and blocking every transaction for no reason per USAA. USAA has not offered any real time resolution for me to have access to my cash. I had to be embarrassed in XXXX and XXXX when my card declined with available credit but USAA offered no assistance other than allegedly not knowing why the card is declining when there is available credit. I have been lied to repeatedly and it is beyond not acceptable having my money taken and not having access to it.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (MO)

Can I get some help pls someone got into my other account and transferred money out, I cant even log in. its like XXXX for {$500.00} XXXX for XXXX XXXX for {$1000.00} and XXXX of them are {$200.00}. I simple pay my insurance and on a family phone plan and send money to my brother its always less than XXXX. This happened XX/XX/XXXX was told to wait until settled, I disputed got a new card and was denied my money back by Albert banking Ive been using them for years and never had this experience. Im very disappointed I been trying to get my money from XXXX XXXX and Albert and no one is trying to help me. I just want what belongs to me. They only forward me my account history details which serves no purpose
Consumer complaint received 2023-02-18
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)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Freeway Funding, Inc. (CA)

I am filing a complaint about the bad business practices and inaccurate reporting from freeway funding. Living in a FEMA state of emergency in the XXXX zone due to fires. This company is known for despite repossession not honoring customers who then pay all past due and fines to get their vehicle back and freeway funding not giving it to them. 
They have even several complaints from XXXX  which talk about even if you pay they will not return the vehicle and not communicate with them. Failure to communicate about files and how to resolve and missing documents as well. I am providing two ways they were reporting on my credit report with false dates and numbers all over the place. So I want my entire file up to my last payment, including all communication with them that should have been noted as they advised during our conversations. If they can not provide this crucial information as it damages my creditworthiness and has prevented me to acquire credit based on false and inaccurate reporting it should be deleted immediately. Freeway Funding has proved they do not follow the laws in order to protect the consumer resulting in damaging their credit profile. I want them to supply proof then I will counter them with the proof that I have in order to prevent them to adding any false adjustments to my file in order to correct their reporting mistakes. I want them to provide CFPB information or email it to me. Do not mail me anything.
Consumer complaint received 2019-11-24
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. (TX)

My issue is with the TransUnion Credit Reporting Agency.

I am able to have a XXXX  glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword   being cursory with XXXX and XXXX  as long as I can remember. However, TransUnion requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about. 

Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX  and XXXX  allow. Transunion does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!! 

Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file.

Also, while I am at it ... I have multiple student loans all being handled via XXXX reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXX  program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures.

All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in XXXX XXXX Texas ) in with me.
Consumer complaint received 2022-10-17
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX On all major credit reports states I owe them $ XXXX {$290.00} This company does not accept insurance, you have to pay at the time of service in full for any treatment received. I do not owe this company or collection company any money. 
I have also previously asked for a copy of any contract, I signed agreeing to pay the additional amount of $ XXXX {$290.00}, which they say I owe.
Consumer complaint received 2023-03-10
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)

These Inquiries does not belong to me. I have asked you to removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts that don't belong to me. I will like my WET signature showing I open these accounts. 
XXXXReport Date : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION (DE)

I have a Heloc with XXXX balance that I am trying to close. I went into the bank on XX/XX/XXXX, paid a {$310.00} early closing fees and asked the Heloc be closed. I needed the Heloc closed as I am selling my home and planning to close on XX/XX/XXXX. The title compnay asked me to close the Heloc to and send them proof. 

Low and behold, when I look on the web page on XXXX the Heloc was not only still active, but now had a balance on {$310.00}. I went to the bank find out what was going on. They apologized and said due to an error on their side it had not been closed but they will fix it and get back to me. 

I have just looked today and I see my Heloc is still not been closed. 

I can not delay closing on my house as I am scheduled to travel on XX/XX/XXXX and have spent many thousands of dollars on plane tickets and bookings. 

Please help.
Consumer complaint received 2022-10-17
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. (MA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; COLLECTION Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2019-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX a payment of {$5500.00} was made through XXXX  XXXX XXXX on line bill pay. This payment was meant to make a payment to my XXXX Visa credit card. The payment was never credited to my Visa card. I called XXXX on XX/XX/XXXX and sent several on-line inquiries to XXXX. Their customer service said that the payment was actually not made to XXXX, instead it was made to SLS Mortgage Servicing on XX/XX/XXXX. Their customer service claims that even though the on-line banking name shows " XXXX '' the actual account # and information was for the recipient of SLS Mortgage. XXXX said they opened an investigation and faxed proof of payment of {$5500.00} from XXXX to SLS mortgage on XX/XX/XXXX and refaxed again on XX/XX/XXXX. Per XXXX at SLS Mortgage, they said it was never received. During a conference call with XXXX XXXX of XXXX and XXXX from SLS mortgage, XXXX refaxed proof of payment to SLS on XX/XX/XXXX. These proof of payment faxes included the SLS account # ( which is a closed account. ), the trace # and the case #. XXXX advised that she put in for a request for someone from SLS to call me back which no one ever called back. XXXX XXXX from XXXX also sent a qualified written request to SLS via regular mail on XX/XX/XXXX or shortly thereafter requesting a refund and provided proof of payment. I requested for XXXX to refund my money during their investigation on XX/XX/XXXX but have not heard any respond from them,
Consumer complaint received 2019-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I am a cosigner on the loan for my daughter. She was behind on her payments. I contacted Selene finance and got the dollar amount to bring her loan current with nothing owed for late charges or current month. I set up automatic payment for this mortgage. Shortly after this began I noticed an additional fee called " advance charges '' I have made three requests for Selene finance to describe to me what advanced charges are. The company has absolutely refused to give me an explanation for this. Their refusal came in the form of telling me I don't know I'll have to look into it. They have never sent me a description for these charges.
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I left apartment in XXXX and paid all amounts whichever they said but after 2 months they send me letter that you have left over amount when i went there they they remodel the apartment and i have to pay that amount and they said we send you ketters which I didnt receive any kind of letter then I contacted the debt company i told them I didnt receive any letter they said they dont know you have to pay that but when i left the apartment everything was good but they lied to me they said it was broken when i asked them for pictures or any proff they didnt provide me nothing.so I request to you please take remove this debt from my account which I dont own. 
Thank you
Consumer complaint received 2019-09-15
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. (KS)

This was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX US Courthouse XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (NY)

Within the time XXXX XXXX XXXX. I applied for a XXXX credit card. I did so because Credit Karma who i have a active account with posted to my account that i was pre-approved for said card! I was denied! Hard inquiry was now on my report XXXX became hesitant in acquiring another credit card in fear of possible more Hard Inquiries and chances of being denied again, and how that would negatively affect my credit rating. I refrained from trying to improve my credit for 2 yrs. Hoping the negative inquiries would expire. After that Credit Karma posted to my account i would be approved for a XXXX according to their data. I was denied again by the car dealership! But the dealership of course still tried to sell me the car after i showed them on my phone, what Credit Karma sent me on my chances of being approved for such a loan. Unbenounced to me the dealership tried 3 other lenders while he had my info! All attempts got rejected!! And now in one shot i got 4! additonal Hard Inquiries!! On my credit report! As a result of these actions .I no longer use my account with Credit Karma for any accurate info regarding my Credit rating! As a loyal but highly aggrevatted consumer, this company has, taken advantage of the trust i gave them with my personal info.I expect to be compensated in the on going XXXX that is actively on against Credit Karma. For misleading marketing and other bad business practices
Consumer complaint received 2022-10-17
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-17
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. (NC)

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 listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

XX/XX/2022 I sent RMP LLC a verification of debt letter and they sent a reply through mail the same day. 
In the reply they stated they are unable to locate XXXX XXXX ( me ) in their system. 
The verification of debt letter I sent them included my credit report with charges im unaware of and may violate my rights abd HIPAA laws.