davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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. (CA)

HARD INQUIRIES I DO NOT RECOGNIZE:
-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 2019-01-21
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. (GA)

My identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report XXXX XXXX Police # XXXX ) a copy is attached. 
Please remove this account from my credit file. 
Thank you.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc. (SC)

I have informed numerous times verbally and in writing, Aargon Agency not to contact me. I do not have an account with this company nor do I owe a debt. Aargon Agency has I do not wish to be contacted about this alleged debt any further except to be notified that future collection efforts are terminated. 

I have kept accurate records of all phone calls and voicemails from this company, and this is my formal complaint for violation of my consumer rights. One the following dates, I have received messages left on my personal phone voicemail : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  I have requested phone records of the number of calls in which I have answered. 

I am demanding cease of ALL communication, including deletion from any and all consumer reports, payment for the above noted violations, and confirmation of this remedy in writing within 15 days. 


Thanks
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My credit report is reporting a XXXX card that was opened on XX/XX/XXXX. This account never had a payment made and was marked closed by XXXX as of XX/XX/XXXX. I have contacted Experian multiple times and summited multiple disputes to get the information corrected on my Credit report. Experian is showing on my credit report that the account was opened on XX/XX/XXXX, but they are not showing any payment history from XXXX. This information is incorrect. Why do they not have any payment history from XXXX. There was never any payments on this account and it was closed in XX/XX/XXXX. 

Experian is showing that this account was closed in XXXX. This is absolutely incorrect. On my XXXX  credit report, which is correct it is showing payment history from XXXX date and there has never been any payments on this account, making the first late/missing payment in XX/XX/XXXX. This account should be falling off my credit, but Experian is trying to tell me it is not going to fall off until XXXX, that is more than 10 years from the original late/missing payment date.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was recently Sold from Mr Cooper to XXXX XXXX XXXX XXXX company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with Mr cooper without an extension. However I attempted to request an extension with Mr cooper loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called Mr cooper they informed me my loan was sold to XXXX XXXX. Up until the date of XX/XX/2023 Mr Cooper did not QRPC according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. XXXX XXXX as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX XXXX XXXX for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2023 I received a notification that your application was approved for a banking account. I knew that I did not apply for any other account. So I immediately contacted the bank. Which the first person I spoke with could not assist me and forward me over to the fraud department. The fraud department tried to sweep it under the rug and stated that the account was closed. On XXXX I received another email stating that your card is on the way to an address that I used when I opened the account up with the company. I stated to them. My information was already updated in my system and that address has never been used for 11 years since Ive been with the company. Ive contacted the company again on that day and they told me not to worry. And the account has been voided. XX/XX/XXXX I get a letter in the mail with the False bank account that still has not been closed.
Consumer complaint received 2018-09-10
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. (MI)

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX  XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for Experian & XXXX  to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2018-09-10
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. (CA)

In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my XXXX business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with XXXX through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. XXXX refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.
Consumer complaint received 2022-03-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I contacted experience fraud department representative by the name of XXXX at XXXX ( XXXX ) XXXX on XX/XX/2022 only to have him tell me that they conducted the investigation completely by the law, I did not know what I was talking about, and that he was going to end the call because I was refusing to except the lies that he told me. I explained to him that Section 609 of the FCA, gives me the right to see what the furnished sent to your reporting agency ( Experian ) as evidence that the information is correct. But the information needs to be verifiable, so if it's not, it should be removed from my credit report. However, that information was never confirmed or provided to me.

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2021-04-13
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. (TX)

I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXXTransunion XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie Transunion states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from XXXX  and XXXX. I will upload docs. I DISAGREE WITH THEIR INFO
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask 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 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when capital one decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX bank account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the capital one yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. XXXXupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!
Consumer complaint received 2019-09-16
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. (GA)

Hi XXXX  keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its
Consumer complaint received 2019-01-21
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. (FL)

I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX acoount # XXXX.I was never late.The information is incorrect.
Consumer complaint received 2019-01-21
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. (FL)

I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX acoount # XXXX.I was never late.The information is incorrect.
Consumer complaint received 2021-07-19
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: SANTANDER BANK, NATIONAL ASSOCIATION (IN)

I am XXXX XXXX loan number XXXX with Santander bank. I have been trying to refinance my house since XX/XX/XXXX, however Santander has not been reporting me paying my mortgage to the credit Bureau since XXXX on my credit report. I ran a check and it shows my house as being paid off and I have not been able to refinance with my bank.I have contacted them many times. I sent them a fax with my credit report as they requested,, but they won '' t answer my letters about it. They have been telling me since XXXX they were going to correct this so I can refinance my house but they keep blowing me off every month and won '' t tell me why it '' s not on my credit report. in fact its showing up as being paid in full since XXXX, and I am still making monthly payments and never missed a payment since I had the house XXXX. It should be posted good or bad on my credit report. 
I am losing money because they are not reporting my score to the credit Bureau so I can get a better interest rate and also refinance my car that I qualify for.
Consumer complaint received 2022-03-01
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. (MO)

This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} Bankruptcy : Discharged XXXX Reference Number XXXX
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

I was laid off and notified my lender that it would take 3 weeks before I got paid from my new job. My lenderw wellsfargo did work with me but my HOA would not. I had previous been in a loand modification and was able to catch up on my payments, but my HOA who I had problems with would not take any payments, but They did take funds from my lender wells fargo. I reached out to the lender for help a, I faxed over the documentation on th enotice of default from the HOA XXXX XXXX the collection company is XXXX  XXXX XXXX. 

WellsFargo still does not have a clue about the payment that was made on my behalf. I notified them in XXXX when I got my notice. It was filed on XX/XX/XXXX and the first 90 days ended XX/XX/XXXX. The problem is that Wells fargio is in second lien postion and I was advise to reach out to the lender, but they do not have a clue of what's going on and I'm getting research and no results. Time is of the essence and my contact from the office of the exective offfice is nice but still does not have a clue. 

I was advised by an attorney to reach out to my lender and I have with very little to no help. The property will be foreclosed on within a very short period of time. Once I find the sale date, if I'm not helped by the lender, I will take my mortgage money and protect my property since they are not. This is horrible way to do do business. My account is XXXX my representative is XXXX XXXX, XXXX ext XXXX. This is bad business the lender is willing to allow their lien position to be compromised to second position instead of doing what it take too help provide a resolution. It shows a lack of understanding.
Consumer complaint received 2019-01-28
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. (CA)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2023-08-21
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: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account XXXX XXXX 
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.