davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-02-17
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. (CA)

Incorrect Balance, Upon Reviewed my Statement, the disputed of a Purchased in the amount {$1200.00} on XX/XX/2018 from XXXX XXXX XXXX have not yet credit to my account, as i have reached out to the merchant regarding about this matter, and have receives confirmation letter from the merchant regarding about the refunded amount. Attachment are proof settlement.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (KY)

I was contacted by the Ameritech Company to initiate the process of student loan forgiveness I was told I qualified for. I paid a {$1200.00} dollar fee to initiate and was given a lower payment plan and was to send this payment to Ameritech. At the end of 10 years, the balance of my loan was to be forgiven. I later found out that after about 1 year of making the payment ( which I thought was going toward my student loan ) I found out that the payment to Ameritech was not coming off of my student loans at all. The only way I found out was when I received paper work to renew with Ameritech the next year. I contacted XXXX at that time and they explained to me that the payments were being made to Ameritech just for paper work, etc .... The entire time, my loan was in Forbearance and interest was building. I am not sure of exact dates, I think the time frame was from XXXX - XXXX. 
I have received notification that the Federal Trade Commission has taken legal action against Ameritech. Ameritech has since closed.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX  or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.
Consumer complaint received 2023-02-21
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and I noticed there were a inquire listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX XXXX  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Ive received my most current lexis nexis report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS XXXX. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney XXXX XXXX Thanks
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive received my most current XXXX XXXX report dated XX/XX/2022. 

THERE AR

E ZERO BANKRUPTCIES IN MY REPORT. THE CREDIT BUREAU KEEPS SHOWING THERE IS ONE.
THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the NYS Attorney Generals Office Thanks
Consumer complaint received 2022-06-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

On XX/XX/2022 a late fee of {$18.00} was assessed to the loan on the grounds that the payment for XX/XX/2022 in the amount of {$640.00} had not been received, and had been assessed to the account as of XX/XX/2022. As of the date of this letter, this date has not yet passed. As our loan documents state, we have a sixteen-day grace period from the due date of the XXXX of every month to make the payment without a late fee being assessed. The claim in your letter dated XX/XX/2022 for a late fee for XXXX is erroneous as the date XX/XX/2022 has not yet passed. 

The fee actually originated from a payment I made on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX. I have included a printed receipt that includes a time stamp showing the date and time the payment was made. There should have been no fee assessed to this payment as it was made within the allotted grace period stipulated in the loan agreement. However, because of a time zone difference that the company prefers to base payments on, and that we were not advised of upon transfer to this servicer in XX/XX/2022, a late fee of {$18.00} was assessed. Because the payment was made on time according to our time zone, and we had not been advised by the company that this time difference mattered in regards to making a payment, we did not agree that this was an accurate or equitable assessment of a late fee. We decided to call to ask that the late fee be removed. I was told by the representative I spoke with that they would not be willing to remove it because the notice that the time zone difference mattered with regard to payments was included in the transfer paperwork and on their website. I reviewed the information and there is no mention of this notice anywhere. I have included a copy of the transfer paperwork for your reference to confirm there is nothing mentioned regarding the specific time of day payments must be made by. This is an erroneous assessment of a late fee that needs to be removed as soon as possible. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2022-06-01
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. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights unde

r 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 stat
es a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates continues to harass and defame me by continually calling me on the telephone over an alleged debt. I mailed two Debt Validation Letters to Portfolio Recovery Associates on XX/XX/2019 and XX/XX/2019 via Certified Mail and Return Receipt Requested ( see attached letters ). Portfolio Recovery Associates has failed to provide any physical verification. Portfolio Recovery Associates submitted false and erroneous credit information to XXXX, XXXX, and XXXX. This false and erroneous information has caused me severe problems by being denied credit, apartment rentals, and employment opportunities.
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I received alerts from XXXX that this company is trying to open an installment loan using my information. I reported it as unauthorized. I then spoke with the company twice and told them the application in my name is unauthorized and I have continued to receive alerts of the company trying to open a line of credit in my name.
Consumer complaint received 2022-06-01
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: JPMORGAN CHASE & CO. (VA)

I reached out to both XXXX XXXX and JP Morgan fraud departments in regards to fraud. I filed police report with XXXX XXXX. Neither company removed their inquiries from my credit report. 

Police Report # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair Credit Reporting act, these creditors and credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX 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
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair Credit Reporting act, these creditors and credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX 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
Consumer complaint received 2017-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

I have had a home mortgage with Wells Fargo for XXXX years. I rented my home out to some bad renters and my insurance company sent me a check for {$5400.00}. The check was made out to myself and Wells Fargo. After I spoke with Wells Fargo, they said to sign the check and send it to them, they would endorse it and return it to me. XXXX XXXX showed up the next day, picked up the check. I signed it and the check was overnighted to Wells Fargo. I continued to call over and over about the check and my account was charged to a bad account number and it has been a year. The check has NEVER been returned to me. I contacted them about doing a HAMP refinance since I made repairs out of my own pocket. They have since started foreclosing on the house and refuse to return the check.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

Account was paid in full by bank check sent through USPS priority mail on XX/XX/2023. USPS tracking shows that the envelope that contained the payment check and payment coupon was picked up at USPS facility on XX/XX/2023 at XXXXXXXX XXXX. I contacted the credit company, Comenity, on XX/XX/XXXX and initiated a dispute as they were showing the payment had not been received. Actions since then have included late fees, interest fees and a report to the credit bureaus of late payment more than 30 days. I have spoken to several representatives from Comenity to attempt to resolve the issue, including offering to stop payment on the check and pay the account electronically and I was told the fees charged and report to the credit bureau could not be changed.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nationwide Recovery Systems, Ltd (SD)

This was put on my credit report and I have XXXX to pay for it. 
XXXX XXXX XXXX They just sent it and never said anything to me Nationwide Recovery XXXX XXXX XXXX XXXX XXXX TX XXXX I would like it removed off my credit report if u need the XXXX information I have it XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CATHAY BANK (NY)

- XX/XX/XXXX, Cathay bank paid {$590.00} from our bank business checking account to an unknown party. This is fake check. 
- We did not write a check for this payment nor authorized online banking- As of XX/XX/XXXX, this issue has not been resolved by Cathay bank
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I was approved for Public Service Loan Forgiveness and my loans were transferred to " FedLoan ''. I am aware that this company has a history of problematic customer service, inaccuracies, and untimely handling of basic essential functions. Of course, there is no alternative servicer under PSLF so I am stuck with them. They have already delayed my first payment back a month ( originally scheduled for XXXX, but moved back to XXXX XXXX. I signed up for Direct Debit payments. I have multiple emails from FedLoan confirming my enrollment and scheduled XXXX payment. Despite this, they failed to take my XXXX payment and now have my account listed as delinquent. Unless they correct this error FedLoan will be directly responsible for stealing XXXX months of - what should have been- qualified payments under PSLF from me. This is unacceptable.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Id like to file another complaint against XXXX again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

Follow up the Complaint ID XXXX, XXXX I did call and email XXXX XXXX customer service, never get response. The issues for my kids health exam that my family doctor mistake the paperwork for blood test, that paperwork for adult exam. 
Asked my family doctor to fixed this issues, they dont take this responsibility, I am unable to contact XXXX XXXX as their customer service never answer, The debt shows my both kids, but the statements send to me, I dont like to pay family doctor mistakes and XXXX XXXX sell the debt to collection companies, right now I have received the Credit collection company statements. Reference number are XXXX, XXXX. I want to protect my credit. 
Please help and protect my right.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Hello I sent in a report and haven't heard from the two credit companies as of yet and it's about a month. Experian XXXX and XXXX XXXX. If they haven't found out the truth then they must remove the items from my credit report
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair Credit Reporting act, these creditors and credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXX  # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX 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
Consumer complaint received 2019-11-26
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. (CA)

I found one account on my credit report that does not belong to me. I discovered it today XX/XX/19 when I got my credit ran by XXXX because I was trying to buy a phone and I didn't get approved because of this account. I have no idea who opened this account or who it belongs to but I never gave anyone permission to open it in my name. I did not benefit anything from this being open in my name such as money, goods or any other benefit and I never made any purchases or payments towards this account. I do not and have never had an account with this company nor did I ever allow them to run or access my credit file/personal information. I have already notified the police regarding this matter.