davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, XXXX nor Experian, written permission to furnish these accounts. 

XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
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. (FL)

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-08
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. (NC)

I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX
Consumer complaint received 2019-10-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MA)

Submitted complaint # XXXX to which I have a response from XXXX XXXX in the Compliance department stating that the XXXX and XXXX payments would be corrected to show they were not late ( they were changed in error by New Rez XXXX, it also stated that the XXXX, 2019 payment would also be corrected as this was an error with the account number. XXXX stated in the letter to give it a few days for CRA 's to update and I have done that. This is now XX/XX/XXXX and the still are not showing corrected. There was no E-Oscar number given in the letter to show it was done electronically XXXX would take 72 hours to update CRA 's ) I have called XXXX XXXX multiple times with no response and emailed XXXX XXXX XXXX multiple time again with no response. I have called customer service multiple times and they can not see what compliance has done nor the letter that was sent, so they have not been able to help. 

My house is going to be selling and currently I have no home or apartment to go into because of this situation. Please correct the CRA 's and send the E-Oscar number to get my credit corrected.
Consumer complaint received 2023-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (NY)

On XX/XX/2023, a repossession company came to my house to repossess a car. They broke my glass on my house door from banging and ringing the bell. They also broke my fence on the outside of my private property, destroyed my kids property as well. Then drag the car out backwards. I called the company to complain about the situation. They did nothing Im still without a car. They told me to get back to me never did. It is now XX/XX/XXXX have not heard back from them yet about paying for the things that was destroyed by the repossession company or how to retrieve my vehicle.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a re-investigation letter to Experian to investigate some derogatory items on my credit report. As of today I haven't received a response back from Experian.
Consumer complaint received 2019-10-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX ; Experian and XXXX are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. The accounts Im speaking of are XXXX XXXX, XXXX XXXX, and Chapter XXXX Bankruptcy.
Consumer complaint received 2019-10-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Equifax is reporting incorrectly ( 120 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove this but I have not been successful.
Consumer complaint received 2023-04-10
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. (IL)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

I have a private student loan with Wells Fargo. My sister is the co-signer. 
My sister filed bankruptcy. The loan is now serviced through wells Fargo 's Bankruptcy Department. 

Please keep in mind, Wells Fargo does not send out monthly statements. 

When my sister filed bankruptcy, sometime in XXXX, I had to start making my payments to the Bankruptcy department. Upon the start of this, I was told my loan was current and any or all late charges that were on the loan were removed. 

The loan is due somewhere around the XXXX - XXXX of every month ... I have never been given a straight answer. 

On XX/XX/XXXX, I called to make a payment and was told that I had missed a payment in XXXX. I thought this was odd, but scheduled two payments to ensure I would not hurt my sister 's bankruptcy. Her bankruptcy has not discharged yet. 

On XX/XX/XXXX, I received a text message from XXXX letting me know that Wells Fargo not only dinged my credit once, but XXXX times for late payments. 

When I called to rectify this situation, I sent them my banking statements that proved I have made the XXXX payment. Then they said I didn't miss the XXXX payment, but the XXXX payment. I sent them XXXX bank statement showing I paid that XXXX XXXX. Then they said no, I did not miss XXXX 's Payment, but a payment in XXXX of 2018. This is over a year ago and at no time was notified of this missing payment, nor has my credit report been dinged for a late payment prior to the payments made in XXXX. 

On top of it all, there is a 10 day grace period on making payments. I was within this limit when I called to make the XXXX payment. I Should not have received a ding on my credit report for this payment. 

Also I should have received a ding on my credit report for a payment that was supposedly missed a year ago without having the opportunity to rectify it then. 

My sister nor her attorney have never been notified of this late payment, which should have happened as well. If they had .. I would have an opportunity to rectify this sooner. 

In addition, at this time I do not believe I ever missed this floating payment.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a police report to transunio with files that were stated as identity theft I even went as far as to name the suspected perpetrators file # XXXX, and according to the fcra section 605 b when I submitted the police report rhe credit bureau shall block the file until the investigation is complete and I spoke to XXXX XXXX and a very nasty toned XXXX XXXX from trans union about the matter and I repeatedly asked why they would not block the files while the investigation was on going and that it is my right according to the fcra unless they are attempting to site section c wich would be insinuating that I was attempting to defraud a vendor wich I really hope that they were not attempting to do .I took and signed a sworn statement against those accounts punishable by imprisonment for lying and on top of that what man makes up that a perpetrator is his own mother or sister, and on top of that upon the issuance of the police report with the fraudulant a counts that should put the burden of proof on the lender/creditor but they are allowing the creditor to simy say the account is valid .I swore a statement punishable by jail willing to send my mother to jail, transunions stand is absolutely ridiculous in allowing such a simple responce for proof of course the creditors have my info the accounts were in my name the perpetrators had my exact information for XXXX sakes they lived in my house, so the creditor saying they have my information is not enough I swore a statethat i am not the party but transunion has repetitively allowed the companies to update FRAUDULANT files time and time again no matter how much I fuss, and with the help of supervisors like XXXX XXXX they are at will suppressing consumer rights with zero consiquence .I can see that the handling of consumers rights and reports have not changed much since the incident in 2017 it makes me wonder if the switched from baiting consumers with links to working with lenders for paying just read one of the papers they give there supervisors when they start named " protect the revenue '' my rights have been severely violated with this and shown no respect as to what has gone on with my credit instead been talked to and treated like a suspect the whole way threw. Please direct dir or maam force them yo respect my rights and those of other victims and hold them accountable for what they have done and the damage that they have let happen to my credit file by suppressing my fcra rights by refusing to block while investigating, and allowing such a shallow burden of proof from the ftaudulant accounts when there is so much as stake XXXX may not cate about my families and I well being in this world, but if it were her I was typing about I would argue just as Hard please force them to remove theses fraudulant accounts from my account and repair the damage done to my report by their blatant disregaud, and neglect for my credit health and well being
Consumer complaint received 2022-01-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I called Transunion to open an investigation concerning an item on my credit report from XXXX XXXX XXXX for a XXXX XXXX credit card. I advised the representative at Transunion that I had not received a letter prior to this item being added giving me the option to request validation and verifcation of said debt. Because I wasn't given the option to dispute with the collection agency before it being added to my report, I asked Transunion to investigate. I logged into my XXXX XXXX app and saw that Transunion has updated this dispute as valid. It has been nine business days so how is this possible? Also, I never received anything in writing proving this was verified. Transunion did not initiate the dispute in my opinion because why has it updated in nine business days as " Meets FCRA requirements ''? I am now requesting this item be removed from my credit report until an investigation is completed.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gold Star Finance, Inc. (TX)

XXXX at Gold Star Finance keeps calling and coming to my home and harrassing my friends and family also. I have repeatedly told her that I had XXXX for XXXX XXXX  XXXX and that as soon as I was back to work I would pay her. It is a small {$200.00} to {$300.00} loan. I have asked them to stop calling and coming to my house and they continue to do so. I cant even go in my front yard for fear of them stopping by.
Consumer complaint received 2019-10-08
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. (MO)

Transunion is reporting incorrectly a collection/charge-off on XXXX  account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from XXXX  and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted XXXX  and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-10-08
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 — Their investigation did not fix an error on your report
Company: Performant Financial Corporation (FL)

I was a member of XXXX XXXX XXXX for 1 semester while in school ( fall XXXX ) before withdrawing from the school. 

I recently started to look into my credit and noticed a charge from the fraternity on my credit report ( in collections ). 

I first called the fraternity headquarters in XXXX of XXXX and asked what the charges were for and how I could resolve this issue as I know al of my dues were paid when I left the school. Headquarters, located in XXXX, told there me was nothing they could do and I would need to contact the chapter adviser. I left him 3 voicemails that all went unanswered. 

I reached back out to headquarters and again they advised me they could not/ would not take any action towards a chapter. 

XXXX of XXXX I disputed the charge through credit karma and nothing was done. 

XXXX of XXXX I relocated to Florida and was busy moving and settling in and did not bring the issue back up. 

XX/XX/XXXX of XXXX I reached out to the creditor and explained to them the situation on an online submission on their website. They reached out to me on XX/XX/XXXX and offered to settle for {$1100.00}. 

I obviously denied. 

Following on XX/XX/XXXX I reached out to XXXX XXXX, who the fraternity used for billing, and headquarters. Both by Email and I can forward all these emails to anyone who can help. 

XXXX XXXX did not answer so on XX/XX/XXXX I reached out again and did not hear back till XX/XX/XXXX. 
On XXXX I asked again for an itemized list of the charges which I received later in the day. 

I sent the itemized list along with an official transcript from XXXX XXXX  University to both XXXX XXXX   and XXXX XXXX XXXX showing that I was being charged for semesters I was not a student of the university and that all of my dues had been paid prior to leaving the school. 

XXXX XXXX has yet to answer. 

XXXX XXXX XXXX responded on XXXX stating they " understand my concern '' and they " encourage ( me ) to take any action I wish against the chapter ''. And that there was nothing they could do. 

The chapter adviser has been included in everyone of these emails, along with the chapter president and neither has responded. 

I have literally run out of every option possible to resolve these issues and have provided an overwhelming about of evidence showing these charges are not valid ; and the only person who can change then, XXXX XXXX, will not respond. 

I have a lot of emails I can forward showing the lack of assistance and communication from all parties involved besides my self.