davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TN)

I XXXX XXXX THIS IS NOT MY DEBT BUT ITS ON MY CREDIT REPORT AND I NEED IT TO BE INVESTIGATED AND DELETED OFF MY CREDIT REPORT. I DOINT KNOW WHO DID IT BUT IT SURE WASNT ME AND I NEVER EVER HAD XXXX XXXX SERVICES AND NEVER EVER LET ANYONE DO THIS WITH MY INFORMATION. SOMEONE EVEN HAD LIGHTS ON IN MY NAME AND I DISPUTED THAT AND IT WAS REMOVED BUT THIS STILL REMAIN ON MY ACCOUNT.
Consumer complaint received 2019-05-02
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)

Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX  now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the Honorable Judge XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.
Consumer complaint received 2023-04-04
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. (CA)

Is listed that I have a collection for XXXX XXXX XXXX and Im using it to do this report the only XXXX XXXX I have!!! And it is current and with XXXX
Consumer complaint received 2019-10-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (GA)

I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of TD Auto Finance. The letter from TD Auto Finance/XXXX XXXX XXXX is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Deceptive business practices On or about XX/XX/2018 I applied for a capital one credit card ( secured ). After a time period, the application expired. I called capital one concerning the application and they stated to reapply. I called to check status and representative stated it was denied due to a previous application, and stated to reapply again. I checked on the status and again was told XXXX reapply and I was denied because I reapplied. Capital One customer service decieved and encouraged me to make multiple applications to be submitted which resulted in my application denials and credit inquires.I then found that Company policy states that a grace period in between applications are to be made but this was not presented to me until after multiple applications. I found to be the reason for such a denial to take place, due to lack in training of Capital One representatives. The response from capital one was that they can not approve the application due to multiple applications. however did not state it was due to representatives not informing customers of such a grace period or not to encourage further multiple applications resulting in denials of credit card. I have reviewed my recordings of these incidents, and it confirmed that it was a customer service error. As far as inquiries, I was not sure which ones needed deleting or confirming as I was told numerous times to submit multiple applications. 
XXXX, representative contacted me stating these incidents ( recorded as well ) XXXX, XXXX XXXX
Consumer complaint received 2019-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, my Credit Rating was decreased by 25 points. I checked the report prepared by this agency and could not find a single change from the report as it existed just prior to this change and the report as it appeared after I was notified that my rating had decreased by 25 point. 

On, XX/XX/XXXX, I called to ascertain why this change occurred and was informed that the agency could not tell me the reason. 

How do I find out what prompted this change and correct the information that apparently led to this event happening?
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (MN)

Today, XX/XX/19, I received a statement from Stearns Lending. This statement said that I owe {$1800.00} because I did not pay last month ( XXXX ) ( XXXX XXXX ). However prior to this I received a statement of transfer effective XX/XX/19. So does this mean that Stearns has reported me to be 30 days late? Will they again? How is any of this possible? I am not late, not even by a day. I am paying my mortgage payments to the company that is servicing my loan. To be very very clear, I am not happy about receiving statements from Stearns after my loan had already been transferred to another company. This is against FCRA and UDAAP regulations. Is this happening on my 2nd mortgage also???
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I started full sail in XXXX through XXXX, I had to take a medical leave to go to a rehab. I sent in a notice as per their policy to let them know I needed a medical leave from school so I can get the medical help I needed, I wrote a letter to them. They never informed me, but when I got out of the rehab I was in my status of loans was kicked in already because they withdrew me from my classes without even telling me, so that's how this all started. Then over the years I called them numerous times to explain my loans should have never been kicked in because I was on a medical leave and was supposed to be able to start my classes again after I got out of rehab and they refused to help me what so ever. Now the loans are with navient and XXXX the top 2 deceptive loan servicers, just the other day I called navient to try to reenter into a income driven repayment plan but the agent I spoke with steered me into a forbearance threatening that if I didn't do that late payments would be reported to my credit file which is all messed up already with being victim to XXXX, XXXX and XXXX XXXX breaches, I'm working with a credit restoration company to try to fix my credit file because me and my fiance are trying to get a home for our family. I'm not sure of the amounts but I know from looking at my credit report that the interest on my loans is the only thing being added to my loans, because every month the interest being capitalized on my loans goes up by the thousands and is hurting my scores in the process, now that after the last agent I spoke with who tricked me into a forbearance looking back on that call they never told me about any other options and never told me that I'd be having payments I cant afford or that they would be reporting negatively to the credit beauraus so what they did was unethical and irresponsible I just want what's fair.
Consumer complaint received 2019-09-24
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. (NC)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STATE EMPLOYEES CREDIT UNION (NC)

NC State Employees Credit Union is threatening to close my childrens checking account in retaliation for a loss they incurred on my personal loan. We twice completed paperwork to remove wife and I as co-owners some time ago but either they lost the paperwork or failed to process it. The accounts are solely funded and administered by our children for years since they left college.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

FIRST AND FOREMOST THIS IS NOT A DUPLICATE! On XX/XX/19 I submitted a complaint to you regarding multiple issues I am having with Selene Finance company. I also sent a second one on XX/XX/19 that you saw as a duplicate IT WAS NOT! The second one happened to be a case where they had increased my monthly payment by more than {$500.00} per month. My taxes did not go up nor my insurance Here is a list of unresolved issues Unapplied payments Misapplied payments Overcharging fees Missing statements Why am I being blocked from writing to them through their email system? Yes, I have been writing but only because I have not received the answers I requested! 

Why after making 5 payments the very next day they sent a letter to accelerate? 

There are two different escrow reports coming from two different people that do not match at all Massive increases in my monthly payments I have requested documents for the last 5 months that were never received I have requested information on who owns my loan with the contact information and the account number with the company not the account number with XXXX. 

There is much to be concerned with here, hopefully, we can real answers that make sense. The answers I received so far are extremely lacking in with regard to my request.
Consumer complaint received 2023-04-04
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. (MS)

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 2019-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (MA)

I filed a dispute stating the debt First Credit Services , Inc. was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.
Consumer complaint received 2019-05-02
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. (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX
Consumer complaint received 2023-04-04
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. (IL)

Consider this as my follow-up attempt to ensure that these items are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included this in my previous Complaint # & I am including it again
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (GA)

I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED, USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

1. In or about the end of XX/XX/XXXXor beginning of XX/XX/XXXX I made a complaint about an unauthorized charge on my account.

2. At that time I notified the customer service representative that an final determination notices should be sent to my new address.

3. On XX/XX/XXXX after realizing the provisional credit that was granted had been retracted and causing an overdraft fee for five   transactions.

4. According to the customer service representative the address to which any notices should have been sent was not annotated.

5. I never received any notice directing me to forward any further information in regards to my complaint.

6. At the time the five transactions occurred I had funds in my account.

7. The retraction of the provisional credit caused my account to be overdrawn.

6. I would like the {$170.00} in overdraft fees returned to my account as they were not appropriately applied.

8. I also had overdraft protection during the time that those transactions occurred.

9. TD bank retracted the provisional credit did not occur on the date that is indicated on my mobile banking app.

10. TD is engaging in unfair consumer practices.

11. I have called numerous times and this issue has yet to be resolved.

12. TD bank has the duty to make me whole again.

13. TD bank phone calls are recorded, they should have pulled my previous phone calls and would have heard that a new address was previously provided.

14. TD should take accountability for their error.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

XX/XX/2024 Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received two letters from your company offices addressed, Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX, XXXX, GA XXXX XXXX Both dated XX/XX/XXXX of XXXX. The latter office asked me to submit one government issued ID and one item to validate my address for the security freeze on Equifax credit report. I believe I have submitted enough documents for that, I will do it again. Since I am sole XXXX  and XXXX, I do not have any utility bill, pay stub, W2 or 1099 as one item to validate my address. Since I will submit the copy of my drivers license, I need one document as one government issued ID. I do not have any state issued ID card and birth certificate, since I am a XXXX XXXX. And if I will submit the latter, it might mean in XXXX. If I need to submit one translated in XXXX with XXXX XXXX  from the XXXX consulate in XXXX, it cost more than {$30.00} as far as I remember, I do not want to spend so much money, since I believe I spent much money for the filing to district court of NJ, which I was asked to file by the court, and all of these mailing costs which must be more than one XXXX now. Therefore, I will submit the copy of my XXXX passport, since at least it does not cost at all. Along with them for the security freeze, both offices asked me to submit my social security number. The former office was for the initial fraud alert. The latter was to locate a credit file in [ their ] database with [ my ] identification information, in order to further assist [ me ], with which, I am not sure when I have asked the assistance from this office at all. 
Sincerely,
Consumer complaint received 2019-10-01
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. (GA)

I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED, USDOEXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (GA)

I have reached out to you guys several times about items being reported to my credit that aren't mine. Over the course of several months, I've seen things come off, but I've also seen new things reappear. I am looking at my credit report now and there are several new things that are here that are absolutely not mine and I'd like them removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX XXXX.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IL)

XX/XX/2019, Phoenix Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. 
attached a debt to my credit for medicaid payed bills, amount of {$1900.00}. 
i responded to them to validate the debt, with no reply and hang up phone calls, i took the matter in my own hand and received a Statement of account from XXXX XXXX XXXX XXXX stating i had a {$0.00} balance and sent it to Phoenix Financial. 
Mrs XXXX called on XX/XX/2019 and stated the statement of account did not prove that i had a XXXX  balance .. and that i still owed the balance to them.. " phoenix Financial '' and told me that " the validation of debt was in the mail once again! this has been going on for 3 months & 4 letter 2 faxes to Phoenix with requests to speak to a manager & no calls, No names. no return letters, and a bad mark on my credit, with no legal proof that there is a debt, Thank you XXXX XXXX
Consumer complaint received 2023-04-04
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)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-02
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. (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 


XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX. XXXX 8. XXXX 9. XXXX 10. XXXX