davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX loan the amount {$1200.00} ( charged off ) XXXX XXXX XXXX XXXX XXXX loan the amount {$22000.00} ( charged off ) XXXX XXXX XXXX {$140.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Balance on XX/XX/XXXX Loan Amount {$140.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$140.00} Original loan amount - XXXX XXXX {$1800.00} Closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX  Balance on XX/XX/XXXX Loan Amount {$1800.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$840.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX Original creditor : XXXX XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX XXXX XXXX XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All accounts above are fraudulent references to Identity theft/ fraud police report # XXXX filed when notice Credit inquiries and unknown accounts tried reaching out to creditors numerous of times about this issue with little to no results. 


XXXX XXXX XXXX {$3300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Account above was paid off XXXX XXXX And now is back reporting on my account with negative impact to my credit report
Consumer complaint received 2022-04-18
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. (FL)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Experian Information Solutions , Inc, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (LA)

I attempted to freeze with Stage Stream both by mailing a letter with my drivers licence & SS card and Utility bill and the freeze with rejected by Stage Stream. I also completed there on line form and attached the same documents and the freeze was rejected.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION (VA)

In XX/XX/XXXX, I filed for bankruptcy, but did not include the loan on my vehicle. I made timely payments on my vehicle until it was paid off in XX/XX/XXXX. I was reviewing my credit report and the loan holder reported that my loan was discharged through bankruptcy which wis not true. I contacted XXXX to correct the discrepancy. Today, XXXX XXXX, XXXX, I received an email from XXXX that my dispute was resolved. XXXX did not resolve anything and the incorrect information remains. Thank you.
Consumer complaint received 2021-02-19
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. (MO)

am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.
Consumer complaint received 2022-04-18
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. (PA)

Trying to have my credit checked for a home loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was informed that suddenly, my US Dept. Loans or XXXX Student and direct-plus loans are in default on week of XX/XX/2022 ; despite, just submitting a copy of these loans from my credit report with XXXX that loans are paid in full. Now, Equifax Credit Bureau is instructing me to fax them my ID to file a dsipute, but, it seems the calls to agents are being intercepted and frauded. This is delaying my 1st time home buyer 's application for a chance to get a duplex, ( which includes, rental income... ). Please, do not allow fraud to delay and hinder my loan application. I need to make sure the agents are legitamate. 
I even sent a copy to a judge : ( XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), ), with the federal CT to validate the loans show paid-in-full!
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - 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 an account without my written instructions
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

inaccurate information is being reported on my credit report with XXXX XXXX Transunion on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on Transunion shows XXXX - Acct # reporting on XXXX XXXX both inaccurate and do not match. 2nd reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. XXXX XXXX Transunion continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX XXXX XXXX i paid ontime and XXXX reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX XXXX XXXX all the way to XXXX XXXX XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by XXXX &  Transunion , this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but XXXX & Transunion reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.XXXX is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

I received a call from a XXXX XXXX. The Person Identified as XXXX XXXX advised she would be visiting my home and workplace in an attempt to serve legal documents the next day. XXXX. Call received XXXX She advised that for questions or concerns I should contact XXXX, but did not identify the name of the company this number belong to. 

I contacted the number ( XXXX XXXX  ), and was advised that I owed a debt, do to a closed checking account with a negative balance. I have not had a wells Fargo checking account since XXXX. I am XXXX XXXX XXXX. 

This is the first time, I have been contacted about this debt, and a XXXX XXXX Credit Report shows me in Good Standing with a current wells Fargo XXXX account that was opened recently to replace my Carpet. 

I was advised that I could either pay the debt owned today XXXX or if I waited for the process server, and I would be responsible to additional legal fees, brining the total to XXXX. 

I asked the person identified as XXXX XXXX if there could be some sort of verification provided, such a a debt validation letter. I asked for the website and address so that I could send the letter, but was advised they don't give out their address, and they don't have a website. 

I was advised that XXXX would not be providing any sort of debt validation as apparently other debt collection agencies had tried to contact me about the debt, and therefore I was not entitled to verification. They stated an old address from at least 15 years ago. 

I contacted Wells Fargo bank and spoke to numerous departments, none of which could confirm the information being provided by XXXX. The last person I spoke with at Wells Fargo advised me that they believed this was a scam and should be reported. I recorded this call and so did wells Fargo. Call occurred XXXX from my cell XXXX around XXXX XXXX  XXXX. 

According to my own research, if this debt is true, it would be beyond the XXXX XXXX XXXX Statue of Limitations on companies filing civil suits based on debt. " Time-barred debt '' This regulation was added on XXXX XX/XX/2019 to the the FDCPA. 

On the call it was advised that the debt was owned by XXXX XXXX XXXX. I can not find a website, address or any other information for this company. 

If the original finical provider is able to confirm this debt, I would do the right thing and pay it, but Wells Fargo has no information on this debt, and based on what I have written here, they believe its a scam.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Assistance Corporation dba Revenue Group (NJ)

XXXX forwarded my information to this collector. I am a XXXX XXXX. I never received invoices. This collector started to contact my elderly parents who are not even associated with this issue. When asked to stop contacting he refuses.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX XXXX - 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 an account without my written instructions
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights XXXX XXXX # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I was granted a loan forbearance by Shellpoint/NewRez pursuant to the CARES Act. This forbearance expired on XX/XX/XXXX, and I was advised that Shellpoint elected to exercise the loss mitigation option of adding the forborne amounts to the end of my loan. 

Upon conclusion of the forbearance period, I was granted a deferment by them on XX/XX/XXXX. The deferment agreement specifically states that my next payment is due on XX/XX/XXXX, and that the payment amounts between XXXX and XXXX will be added to the end of my loan ( i.e. due upon either payoff or loan maturity ). I fully intend to resume loan payment as on XX/XX/XXXX, as my hardship will have ended by then. 

Despite the above, I continue to receive communications from Shellpoint telling me that my loan is " delinquent '' and " past due '' and asking me to contact them for " options on how to avoid foreclosure. '' I have spoken with customer service representatives at Shellpoint on XXXX occasions now, and they keep reassuring me over the phone that they will not take any adverse actions and that my next payment is not due until XXXX, but that they " can not suppress collections letters. '' I think that Shellpoint continuing to send me correspondence that my home is going to be foreclosed on despite having contractually agree to a loan payment deferral until XX/XX/XXXX constitutes an unfair, deceptive, and abusive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and is also a violation of the Fair Debt Collection Practices Act. 

I would like the Bureau to order Shellpoint/NewRez to cease sending me letters telling me that my home will be foreclosed on while the loan is in deferment. 

Thank you.
Consumer complaint received 2022-04-18
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. (AZ)

On XX/XX/2022 I have requested that Experian conduct an investigation on two tradelines XXXX and XXXX that are fraudulent in nature and reporting on my credit report and XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX I also requested on that same letter that my XXXX XXXX accounts be updated as current as well as the XXXX XXXX account be updated as current because these accounts where never late. I also tried to file a claim with XXXX XXXX XXXX XXXX  that I pay for and that they are not assisting me in receiving the claim. They have violated the law in not updating my reporting and I am asking that they notified of their violation as I have reached out several times with no results and have not since requesting the investigation on XX/XX/2022 received any updates as of XXXX so I submitted a demand to comply on XXXX and I have included the letter in with my complaint. Thank you for helping me to regain accuracy in my credit reporting.
Consumer complaint received 2019-06-17
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: CNG HOLDINGS INC (OH)

Asked both of these companies for validation of debt. Original creditor TEMPOE aka Why not lease it and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : US DEPT ED Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-10-19
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. (SC)

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.