davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2022-08-17
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. (NY)

N accordance with fair credit reporting act XXXX act 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 an account without my written. Instructions.
Consumer complaint received 2020-11-10
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. (NC)

Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my Transunion credit bureau after it was already investigated and removed. Transunion is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way
Consumer complaint received 2020-11-07
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. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (TX)

I was shocked when reviewing my credit report and I found a 30 day late payment from XX/XX/2019. I am not sure how this happened. I believe I made my payment to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc (MA)

I was contacted by Capital Mortgage Services of Texas, my current mortgage holder, in XXXX of XXXX. I was advised that due to interest rates being low, it would be a good idea to look at a possible refinance. After agreeing in XXXX of XXXX to do a refinance to a 20 year term, I would shave a year of my mortgage off and reduce my current monthly mortgage payment by {XXXX}. We got to work in early XXXX on getting them all the required documentation on our part. They required additional items throughout the month that we provided. We signed disclosure statements on several occasions and didnt hear back from them after XX/XX/XXXX til XX/XX/XXXX. We had assumed during this time they were processing the paperwork for closing, but they needed the same documentation that had already been given to them to ensure nothing had changed financially with our situation, which it hadnt. We got them the needed documents and then they informed us that there is a subordination on our mortgage that needed permission to do the refinance. They said this would take 2 weeks to get approved. So they dragged their feet on processing our paperwork and didnt find out about a subordination until 3 months after we started the process. It is now XXXX and rates have gone up and they were only able to lock us in at the lower interest rate for 60 days from the agreed upon time in XXXX. They informed me that it was due to the need of us getting the additional documents that they requested a second time and the subordination approval. I called and spoke with the account representative, XXXX XXXX, who took no ownership of the situation and passed the blame onto the processor and informed me that he would call me back the same day after speaking to his supervisor about the situation after I explained how I believed this to be deceptive practices on their part with interest rates going back up, being able to make more money. I believe they knowingly dragged their feet on processing the paperwork and finding out about the subordination 3 months after starting the process is highly questionable. I have yet to hear back from them after trying to call XXXX XXXX back and leaving him a voicemail.
Consumer complaint received 2019-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted Capital One, XXXX, XXXX, and XXXX  and have disputed this multiple times, in which Capital One reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.
Consumer complaint received 2020-11-07
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. (TX)

In XXXX of 2019 XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WA)

Almost daily I receive phone calls from a XXXX area code from a company called Diversified Consultants. They claim that I owe XXXX XXXX XXXX {$130.00} from more than a year ago. I have never received anything in the mail or email from XXXX XXXX XXXX concerning a debt. They want me to verify personal information without giving me any information of what the issue is or providing any official documentation.
Consumer complaint received 2020-11-07
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. (TX)

In XXXX of 2019 XXXX XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2023-03-13
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-13
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)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX   XXXX IN XXXX
Consumer complaint received 2022-12-14
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. (UT)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

On XX/XX/2020 I noticed a collections agency on my credit reports, which caused my credit rating to be seriously affected in a very negative way. I called the company and informed them I had no business with them and requested they send me some proof, we have business together. I also asked for them to provide a legal contract, we have with each other signed by the both of us. I was informed they purchased some sort of debt totaling over 6,000 dollars. I explained I didn't know what they were talking about and demanded they contact the credit bureaus and remove this item ASAP! I'm prepared to fight this to the end and have know problem filing suit against this fraudulent company.
Consumer complaint received 2020-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

XXXX is apparently trying to bill something that was NOT submitted to XXXX. 
There is NO documentation, i NEVER received a bill from XXXX, nor an EOMB from XXXX either accepting or denying the claim, and did NOT get a 30 day notice for the bill from XXXX, NOR did i get a 30 day notice from the debt collector regarding the debt. NOTHING.
Consumer complaint received 2020-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

XX/XX/2020 Talked to my lender over the phone, it's I believe the first time I had heard the name of our contact at the title agency. I was told by our lender that he would send over some closing paperwork and that the agent with the title company would be reaching out with information on how to wire our closing costs. 

XX/XX/2020 Received email from what we thought to be our new title company, requesting our cash to close funds, be wired a few days before close so they can clear XX/XX/2020 XXXX XXXX  I wired {$62000.00} too My Title Company, XXXX XXXX XXXX XXXX at Wells Fargo XX/XX/2020 XXXX XXXX  we showed up to sign closing papers, at that time we found out about the wire fraud. We believe XXXX XXXX XXXX XXXX had a breach in their chain of secure information. 

We headed directly over to XXXX XXXX XXXX XXXX XXXX our credit union ) to talk with branch manager. I wasn't happy with his casual dismissal, so when I got home I called their 800 number and spoke with the fraud department a few times. 

While at XXXX XXXX we called Wells Fargo trying to figure out why a wire transfer was accepted for an account that does not exist. We were told by XXXX XXXX XXXX XXXX that they have no accounts with Wells Fargo. I did include a name in the wire transfer, which was on the instructions. However, I only put that name in the notes as an attention too. I figured it was the person in charge of that department. 

XX/XX/2020 I have spent all day on the phone with both bankers. We have received no answer and are told that it can take up to 10 days to even hear anything back. There are three household depending on the stable sale and buy of the home we are under contract for. We do not have that kind of time - for these entities to identify the simple fraud that was committed. 

We humbly ask for any help we can get.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX first Experian received its second complaint in regards to incorrect reporting on my credit file. XXXX  has failed to comply with 15 USC Section 1681n and 1671o. XXXX Account XXXX and others. Experian was notified that all XXXX  Accounts are XXXX XXXX XXXX XXXX, PA account associated with the XXXX XXXX and were paid by the V.A. Under the Protecting Veterans Credit Act of 2018 " Prohibiting medical debt that should have been paid by the VA to be reported as part of a veteran 's credit history. Yet Experian continues to report these V.A. accounts under my name and my credit report. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Experian continues to ignore the court order and reports this account as charged-off. XXXX XXXX Acct XXXX Experian has the letter from XXXX XXXX that they were unable to properly identify me as the holder of the account. A police report, a criminal identity theft case was filed with XXXX  and XXXX as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. XXXX  Account A police report, a criminal identity theft case was filed with XXXX  and XXXX  as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX said it can not verify the account due to the police report and the identity theft. This is the same account as XXXX XXXX just resold. XXXX XXXX XXXX. The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Experian falsely claims the account was verified. Rather than remove the items Experian now all of a sudden can not find my identification to verify my report.
Consumer complaint received 2023-03-13
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number - XXXX Account name : XXXX XXXX Properties Account number - XXXX These accounts have 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 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with Equifax, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX Equifax took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
Consumer complaint received 2018-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2018 I sent money through moneygram to my uncle XXXX XXXX that resides in XXXX XXXX XXXX.I gave my uncle the reference number so he can collects the fund at moneygram store in XXXX. Armed with his identification card my uncle was refused to collect the money unless he called moneygram HQ in the XXXX. 
When I was informed I called moneygram to request a cancellation of my transaction and requested a refund. Moneygram stated they can not issue me a refund and my uncle in XXXX XXXX has to call them even my uncle does not speak english. 
My uncle contacted a translator, called, and moneygram decided not to release the funds to my uncle. 
After multiple attempts of my part moneygram refuses to refund me.
Consumer complaint received 2022-12-14
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. (UT)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with Transunion. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
Consumer complaint received 2019-04-23
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 contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.
Consumer complaint received 2018-04-22
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 — Problem with personal statement of dispute
Company: Westlake Services, LLC (VA)

In XX/XX/XXXX I paid my account in full with a verbal agreement made by Westlake Financial to delete the entire account off all three of my credit reports. XXXX still shows the account as open. XXXX and XXXX show them as closed and paid. They payment history on all three are showing different information. XX/XX/XXXX, I received a letter with no acknowledgement or agreement of removing the accounts. They refuse to delete this information as verbally agreed by them in XX/XX/XXXX.