davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There was a hard inquiry put on my TransUnion credit report that is from a person that is not me and has the same name as me but with a different middle name that starts with the same initial and lives at a different address. The inquiry is from XXXX XXXX XXXX XXXX that is dated on XX/XX/2019 

TransUnion does not have the other person 's address listed in my address history and I have never lived there. This inquiry is not on my credit report from the other two credit bureaus and is only on the TransUnion one. They have made a mistake by putting someone else 's information on my report that has a similar name as mine but it is obvious that we are two different people with two different address ' and social security numbers. 

In my opinion XXXX XXXX XXXX XXXX did nothing wrong as they used the other person 's address and social security number to pull the information that they were looking for and not mine. It is TransUnion 's error and I believe they should correct it immediately instead of having me go through this long tedious process of correcting something that is neither my fault or mistake. They were the ones that put someone else 's information on my report that does not belong there. All they have to do is look at my address history linked to my social security number to see the error that they have committed. I believe that they should remove the inquiry immediately.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (NV)

CoreLogic keeps reporting an eviction with XXXX XXXX from XXXX, CA that is closed due in the court records as mine, owing and open. I've sent them identify theft police reports, copies of the case, all of my old driver 's licenses and proof I included it in a ch XXXX bankruptcy but they refuse to update their records so I've been denied as a tenant several times.
Consumer complaint received 2019-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/2019 we financed a XXXX  XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XX/XX/2019 the XXXX dies out on I-70 practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XX/XX/2019 they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next  day XX/XX/2019 we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XX/XX/2019 the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XX/XX/2019 we go in to voluntarily surrender the XXXX due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then XXXX XXXX later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.
Consumer complaint received 2018-11-28
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. (OR)

XXXX XXXX XXXX Reported to Equifax that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with Equifax. Equifax says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at Equifax said that XXXX  said i still owe, XXXX XXXX from XXXX on behalf of XXXX XXXX XXXX says that XXXX can not help me and will not fix this credit reporting error.
Consumer complaint received 2022-04-06
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. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX BANK Account Number : XXXX XXXX
Consumer complaint received 2018-11-28
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. (NY)

I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (OH)

At the time of purchase I was told no interest for 9 months at no time was I informed that this was considered deferred interest on the original purchase. I have been paying well over the minimum balance before the payment due date since Ive owned the card. Only to find out, it didnt matter. I was still charged interest. 

Every month Im battling bills, interest rates, and unforeseen fees on a fixed income. How am I supposed to build my credit back up, if card companies like Synchrony Bank, blindside you with back dated interest?
Consumer complaint received 2023-03-28
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2018-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

A collection agency named FirstPoint just reported a {$490.00} medical bill on my credit report. According to the Fair Debt Collection Practices Act, they were supposed to provide me with a 30-day notice to dispute, prior to reporting it on my credit file. If did not receive this notice. This bill just showed up on my report out of the blue. If I had received notice of this bill, I would have contested it, because I have health insurance, and I am sure it had to be a mistake. However, I was never given the opportunity to do so.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was out of the country from XX/XX/XXXX to XX/XX/XXXX for my wedding. I was unaware of any balance owed on my card during this time. I was alerted of being 30+ days late through one of my credit monitoring accounts. As soon as I was warned, I contacted Bank of America immediately and paid off the balance in full. The rep I was speaking with informed me that it was reported to my credit and that theyd place a request to remove this.
Consumer complaint received 2022-04-06
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. (TX)

XX/XX/XXXX FACTUAL DATA INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX  SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX18 XXXX XXXX  Received a call from XXXX XXXX at IQ Data. He said I owed a debt. I asked him to send me the information. He said he would only send the information if a was going to pay the debt immediately. I was not going to pay anything without looking at the information. 

XXXX18 XXXX XXXX The same number called me back. I did not answer. 

XXXX18 XXXX XXXX  XXXX XXXX at IQ Data called my place of business and left a message on a public email about the debt. 

XXXX18 XXXX XXXX I called him back and he again said he would not email the information about the debt unless I told him I would pay him by credit card immediately.
Consumer complaint received 2021-07-14
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)

TransUnion reported a hard inquiry on my credit report from a company named XXXX on XX/XX/2021. I have not applied for any credit cards, or any other services whatsoever. This has had a direct impact on my credit number. TransUnion indicated that I can not dispute a fraudulent inquiry. 

I contacted TransUnion and they indicated to contact XXXX, file a report with the police, or file a report with the Federal Trade Commission. 

Upon contacting XXXX, they indicated they do not have any consumer line, they only have a merchant line, and that there is no other recourse for me to correct the issue. The police department indicated I can not file a police report for an incorrect credit inquiry as it is out of their jurisdiction. The Federal Trade Commission directed me to file a complaint with CFPB. Hence, the XXXX  of this report.
Consumer complaint received 2022-02-16
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. (VA)

I XXXX XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, equifax, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
Consumer complaint received 2024-05-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc. (FL)

I, along with many other borrowers, have been subjected to unfair and abusive loan terms by Money Key XXXX  Loan. These practices include, but are not limited to : Exorbitant Interest Rates and Fees : The interest rates charged on the loans are excessively high, making it nearly impossible for borrowers to repay without falling into a cycle of debt. 
Unfair Loan Terms : The loan agreements contain terms that are highly unfavorable and often misleading. 
Lack of Settlement Options : Money Key XXXX  does not allow for settlements or negotiations to ease the repayment process. 
Selling Loans to Collections : The company sells loans to collections agencies without attempting to resolve the issue with the borrower. 
Evidence I have collected substantial documentation to support these claims, including : Copies of my loan agreements Payment records Correspondence with Money Key XXXX  regarding settlement attempts Evidence of loans being sold to collections without prior negotiation Need for Legal Representation I believe that these practices violate consumer protection laws and constitute predatory lending. Many borrowers like myself have suffered financial and emotional distress due to these unfair practices. I am seeking your expertise to : Evaluate the merits of the case Determine the feasibility of a class action lawsuit Represent the affected borrowers in seeking justice and fair compensation
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

In the second half of XXXX, I fell behind on my mortgage with loan servicer, AmeriHome. The reason was my own incompetency -- this was my first mortgage, I did not really know much and was essentially prioritizing other expenses ( drastic renovations ) over my mortgage, which resulted in my loan going into default. To avoid foreclosure, I had to go through the loss mitigation process, which began toward the end of XXXX. I was as responsive I can possibly be with all the requests, responding as soon as I received a request, but because COVID came about, everything took so much longer. They would send me a letter/request via mail and I would get it weeks late. As a result, they also received my responses via mail late. It was very frustrating and I was very unhappy with AmeriHome, but I then realized it really was not their fault, COVID was the culprit, not them, so I got over it. Nevertheless, the process took very long and all the while I was not making payments on my accountnot because I could not or did not want to make payments, but because I was not given the ability to. I asked several times about making payments, but they said I could not make any payments during the loss mitigation process, and the website did not let me. Finally, toward the end of XXXX, AmeriHome said to me, Okay, if you make XXXX trial period payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then we will modify your loan with x and y details. I obliged and made those XXXX payments. Finally, my loan modification finalized and have made my payments on time ever since. 

But now, all of those dozen or so payments are reported late on my credit reports, even the trial period payments, and as a result, it is significantly hindering my ability to refinance my home or really get any type of credit. After with speaking with many lenders and HUD counselors, many keep saying that these should not be on my report the way they are. But I am not sure. It sure does not seem right to me, as I was able to make payments throughout that entire process, I was just not given the ability to. 

Note : my loan was transferred to XXXX XXXX around XX/XX/XXXX, but my concern lies with the former lender, AmeriHome. I have also tried to dispute this issue with AmeriHome and the credit bureaus with the help of XXXX XXXX XXXX and XXXX and have been unsuccessful.
Consumer complaint received 2023-08-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (FL)

SallieMae calls every hour on the hour multiple days in a row and when asked to stop they threatened to come after my home. 
XX/XX/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