davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
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. (NC)

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.
Consumer complaint received 2021-04-15
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. (KS)

I have a few inquiries that is incorrect on my credit report and i have no knowledge of ever giving approval to let those companies access my credit report and i would like for those inquiries to be deleted.
Consumer complaint received 2021-12-09
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. (FL)

Please provide me with the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

i am having a problem getting a copy of my Equifax Credit file. My Lender has requested several times to get a copy of my report and each time they have denied a copy. I called on XX/XX/2021 and Equifax had me fax a copy of my ID and social security card and write a statement asking them to release all holds and freezes after been told to me that there are not any holds or freezes on my account. I have spent three days in a row calling to get to the root of the problem and everyone I speak too says there are no holds on my account and then my question to them is why cant my bank get a copy of my report and why I'm I not able to view it online there answer is always that they need to call the business line. My lender did just that and still wasn't able to get my report they told them to contact me to call Equifax. I again called XX/XX/2021 spend two hours on the line to be told the same thing I was told when I called on the before is that there are no holds or freezes. They told me that I could get a copy mailed to me but it could take 10-15 days. I told them that I have been waiting months and still I have not received the one I ordered in XXXX XXXX and they have my address correct because every time I call i have to answer the security questions and the address is one of them.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Hi, Several years ago when I first got the mortgage I signed up through the Wells Fargo site to have them automatically withdraw my payments in weekly amounts throughout the month before the monthly payment was due. It automatically calculated and adjusted when escrow amounts changed and my mortgage was always paid ahead of time. 

I recently switched jobs so I deactivated that feature in XX/XX/XXXX and sent checks in XXXX instead. I logged in on XX/XX/XXXX to make sure that they'd received them and saw that while they had received them, my payment was somehow late. It turns out they'd put it all towards principle. I called and they said they would reverse this. I also then noticed that they'd been drawing extra weekly payments from my account ( roughly {$400.00} each time ) every few months and applying them just toward principle. I hadn't noticed before since I'd only reviewed paper statements and thought that was just going to the principle part of my monthly payment. The rep refused to reapply the funds correctly citing that they'd sent the money to investors so it was untouchable. 

So now I've paid well over the amount I should be paying in a year and yet I am somehow apparently 9 days late on my XXXX payment. They refused to move any of these extra draws into my payment and said I needed to give them several hundred dollars more for XXXX, which I do not have sitting around. I was told that a higher supervisor would call me on XX/XX/XXXX and that did not happen. 

On XX/XX/XXXX I logged into my account to find that they had reversed my XXXX mortgage payment in addition to the checks that had been applied toward principle. I don't have a clue where that money is at this point and now their site is saying that I've missed my XXXX payment and it's 38 days late.
Consumer complaint received 2019-06-21
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: Upstart Holdings, Inc. (MA)

I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( Upstart Network Inc. ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing XXXX XXXX XXXX  XXXX XXXX is missing from Transunion XXXXXXXX XXXX  incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account opeXXXX XXXX XXXX XXXX - missing reporting on Transunion XXXX. XXXX XXXXXXXX XXXX missing consistent reporting on Transunion and XXXX, date open, and status XXXX XXXX  incorrect reporting, date open, status, payment history, and paid off XXXX XXXX incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( XXXX XXXX : XXXX  ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly XXXX. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXX. XXXX XXXX XXXX incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (FL)

According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. Experian is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against XXXX  with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on Equifax for the same thing, I also filed a complaint with the IL Attorney Generals office against XXXX  for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and XXXX, XXXX  and Equifax are complacent in this fraud.
Consumer complaint received 2021-04-16
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. (FL)

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX XXXX and Experian regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (PA)

I brought a XXXX XXXX XXXX back in the beginning of XXXX and the car was for XXXX after taxes and fees. I lost my job and couldn't get another one cuz of covid so I was doing XXXX XXXX and XXXX XXXX but the people I brought the car from ( dealership ) didn't know the car fax and was selling a salvage title car as clean. I found this out because the last owner left his driver 's license under the seat of the car after the dealership said they did all the maintenance and cleaned the car. So at this point I'm stuck with it and a XXXX car turned into a XXXX, XXXX car because I had to fix all the things they said they already did besides the the car being hit on the driver side. So I got cough up on my little XXXX dollar car payment and XXXX dollar insurance that's easily payable but again i lost my job because of covid an couldn't get another so I did deliveries with the car n that didn't help when I was trying to fix the car. I told the bank they gave me a couple months, the bank by the way it ( Santander ) but I was just caught at a bad time. So for the last XXXX year Santander has been calling my wifi number every day sum times XXXX a day, I been reading about credit dispute and the lawsuit Santander has because of the endless spam robo call I already told them I couldn't pay it but they just kept calling even after they sold the car and written the car as a tax came or w.e it says but I just need sum help to.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc. (OR)

Requested a BPO - because all estimates indicate my home is now valued at a price that allows me to get rid of the PMI. 

Company dragged its feet when I requested the BPO. To the point that it's been longer than a month and I'm still probably paying a PMI I don't need to and they're still insisting I pay for the BPO that we CAN'T schedule because they keep delaying the steps! It's kafka-esque.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Winklevoss Exchange LLC (UT)

On XX/XX/XXXX, I was fraudulently charged close to XXXX XXXX  on my account that came out of nowhere and absolutely were not made by me. 

Half of this was resolved, but a remainder of {$1500.00} was denied and applied back to my account. 

I have called multiple times, started support requests, and mailed the company with no response including an ID Theft report detailing the incident from the FTC. 

I have found similar situations all over then internet of others having the same issues. I need this fraudulent charge removed from my account and not to be held responsible for it.
Consumer complaint received 2022-09-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX/dept of ED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, 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 2021-08-24
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. (FL)

According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. XXXX  is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against XXXX  with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on XXXX for the same thing, I also filed a complaint with the IL Attorney Generals office against Transunion for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and XXXX, Transunion and XXXX  are complacent in this fraud.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NY)

I was not aware of this collection which I recently noticed on my credit report. 
I was never contacted regarding this collection by Quality asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. QUALITY ASSET RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX $ XXXX/ {$440.00} - XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-24
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. (FL)

According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. Experian is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against Experian with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on XXXX  for the same thing, I also filed a complaint with the IL Attorney Generals office against XXXX  for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and Experian, XXXX  and XXXX  are complacent in this fraud.
Consumer complaint received 2021-04-16
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: Bread Financial Holdings, Inc. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-03-26
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. (FL)

I was alerted to check an update on my credit profile and found an account that DOES NOT BELONG TO ME, where someone added me as an " AUTHORIZED USER, '' to a XXXX XXXX retail account with a limit of {$3500.00} ... currency overdrawn over XXXX. Furthermore, my current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. ALSO, the only phone numbers CURRENTLY REGISTERED to me are as follows : XXXX and XXXX. PLEASE REMOVE ANY OTHER PHONE NUMBERS, ESPECIALLY XXXX, which was stolen with XXXX XXXX XXXX back in XX/XX/2021. I have notified the credit bureau and XXXX.
Consumer complaint received 2022-03-26
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (NY)

I have requested for Equifax to remove numerous items from my consumer report, some have been removed while others have not and Equifax claims that they are " validated ''. I am a victim of the Equifax data breech as well as identity theft victim. I am still battling with Equifax about these accounts XXXX, XXXX XXXX XXXX, and XXXX. I recently submitted my FTC identity report to Equifax and am awaiting results. I am also submitting my proof here as a backup.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (WI)

XX/XX/2021 - Shellpoint has confirmed that there would be no negative credit reporting, although they admitted to making the mistake of filing negative credit, but have now completed the corrections on the other two reports. XXXX  is still showing >120 late. Although confirmed that the forbearance could not be reported as negative credit, it has not yet corrected.
Consumer complaint received 2019-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage is with mr cooper mortgage company. My homeowners insurance payment was due XX/XX/12. It has yet to be paid apparently because they have my home listed as a condo and not a free standing home. Both myself and my insurance agent have spent HOURS on the phone. My insurance is to be cancelled Friday for non payment. My calls average over 1hour and I keep getting promised that it will be fixed and I will get called back. That the supervisors that I have spoken to will handle it and you cant even get them back on the phone.