davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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. (NY)

TransUnion reporting fraudulent and innacurate info that is in violation of FCRA regulations. Also, TransUnion had wasted on average of 2 hours per day, due to uneducated, incompetent, purposely installed customer service reps located in XXXX so that TransUnion creates an impossible process to dispute items. TransUnion should be ashamed of themselves but they obviously won't be because TransUnion goes out of it's way to XXXX the American consumer. They will have their day of reckoning with the department of Justice, along with XXXX. They need to change my report specifically the XXXX XXXX account. I have never been late, nor do I have a balance with XXXX XXXX. Also, they are not reporting my student loans accurately. They will make excuse that they rely on data from company that they receive kickbacks from, when in fact I have communication from respective company 's on my report that states they contacted TransUnion to change info but transunion did not comply. 

Social security number XXXX
Consumer complaint received 2019-02-14
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/ 2018 I made a purchase while abroad. That same evening I wanted to cancel the purchase however was unable to reach the merchant ( after store hours ) so I called Capital One to stop the transaction. I was told that Capital One could not stop the transaction and was given directions, which I followed. The next day, during business hours, since I was traveling and already out of the area, I telephoned the merchant, asking that he cancel the transaction. It turned into an unpleasant conversation. He told me to contact my bank and that he would stop the shipping. 
In the ensuing three months of a dispute claim with Capital One, the merchant, in a response to Capital One, stated that I had in fact cancelled the transaction and that he did not ship anything to me. 
Capital One, who initially took the charge off of my card, has re-billed my card for {$2100.00}. They've told me that the timeline for a dispute will be ending XX/XX/XXXX and that they can no longer move forward with the dispute.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I contacted all three major credit bureaus in XXXX, 2017 and alerted them to an ID Theft that I had just discovered had en occurring for many months. My losses are in the hundreds of thousands of dollars is misappropriated funds from my personal and corporate bank accounts. I also filed reports with State ( Local Police ) and Federal Law Enforcement ( FTC ) Agencies and furnished the Credit Bureaus and Every Creditor on my affected accounts with copies of the reports. I further verified the Complete ID Theft and Account Takeover with all three major the credit bureaus who had notified me that all of my personal information and account access credentials were available for sale on the underground web online. Both XXXX  and XXXX XXXX Credit Reporting Bureaus Verified the Complete Identity Theft and complied with the Federal Laws on Credit reporting by Blocking the fraudulent accounts from being further reported. I have also had to file Seven Lawsuits in Federal and State Courts against the Creditors who failed to restore the misappropriated funds to my accounts and I provide Notice of Court Case filings to the Creditors and all Three Credit Bureaus. According to every attorney I discussed this situation with, the Bureaus are Compelled by the Federal Fair Credit Reporting Rules and Laws to Block reporting of the Verified Fraudulent Accounts as well as the Creditors Removing any reports and stopping any further reporting on the Verified Fraudulent Accounts. The Equifax Credit Bureau was duly notified in writing many times over the last several months but until today they have ABSOLUTELY REFUSED to Block any Reporting of the Verified Fraudulent Accounts despite Verifying the ID Theft and Takeover and after receiving multiple Notices of Court Case Filings, which takes the account status from a Verified Public Debt and into the Law Enforcement and Court Domain for  Adjudication and is a Verified Fraudulent Debt. Equifax keeps insisting that they are DISPUTING The Verified Accounts with the Creditors and NOT BLOCKING them from being reported per Federal Fair Credit Reporting Laws. I have filed for Court Injunctions against Equifax for continuing to report verified Fraudulent Accounts as Valid Public Debt and have also delivered Cease and Desist Notices to them to no avail. They are Breaking the Federal Laws under which they are Licensed, Regulated and Operate with Blatant Disregard to those laws. I NEED the CFPB 's HELP in addressing their CRIMINAL BEHAVIOR and Forcing them to comply with the Federal Fair Credit Reporting Laws which they are IGNORING.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification  of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

Lexis Nexis is keeping inaccurate and incomplete information on my Current Carrier Insurance report. I have contacted them and send them all the declaration pages from my auto insurance policies for the past 7 years so they could correct it but they have not done it.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (CA)

Have been trying for months to get a forbearance on my loan the old acs number says no longer in service and the new number says no ssn on file then just hangs up without connecting me. My account will go into default because I can not reach anyone.
Consumer complaint received 2019-02-14
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. (MO)

These inquiries, unrecognized by me, are posted to my report : XXXX   XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX, XX/XX/XXXX ( twice ). XXXX/XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

Fifth Third mandates I pay an escrow even though Fifth Third has failed to pay for my homeowner 's annual insurance premium. Fifth Third now  acknowledges my homeowners is with XXXX XXXX and acknowledges the correct premium dollar amount of {$900.00}. However, Fifth Third has the payment due to XXXX XXXX in XX/XX/XXXX when the actual date the annual premium is due is XX/XX/XXXX. I have attached two items from XXXX XXXX showing the premium is due in XXXX. Fifth Third did not pay the premium in XX/XX/XXXX. I was forced to make the payment or be lapse in my homeowners insurance. I thank Fifth Third for their letter dated XX/XX/XXXX detailing my starting escrow balance of {$1000.00}. My required escrow balance is {$1000.00}. I already have {$33.00} excess in my escrow balance and Fifth Third is forcing me to pay escrow for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX or an eight additional months.
Consumer complaint received 2019-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I spoken with a representative from capital one credit card company about seeing XXXX hard pulls from there company on my XXXX, XXXX, and XXXX credit report I have two accounts with this company I wasnt made aware that these was hard inquiry Pulls dates XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX. Why was my credit pulled twice in XXXX for one card which I dont recall the representative telling me it was a hard pull.
Consumer complaint received 2022-08-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

account. 
I sent a letter out on July 1st to XXXX, transunion, and XXXXHowever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed  : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$100.00} 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 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX   There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
Consumer complaint received 2018-08-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Astra Business Services (KS)

: The Company '' is the lender, Known as XXXX   formerly doing business as XXXX, physical location in XXXX, KS at XXXX XXXX XXXX XXXX, now located on XXXX XXXX XXXX  KS XXXX I purchased a piece of real estate in XX/XX/XXXX in the City of XXXX  County of XXXX, State of Kansas, United States of America, XXXX and financed the sale through the above named entity. Through the entire time period of initial closing XX/XX/XXXX to the present, I re-financed my homesteaded real estate as approved by the Loan Officer, XXXX XXXX to improve my home and detached garage and shop building. The property is legally known as XXXX XXXX XXXX XXXX of " the Original City of XXXX. recognized by United States Postal Service as XXXX., measuring 60 feet by 150 feet. I met all requisite contractual payments until I noticed that the mortgagor, XXXX XXXX, could not account for an unauthorized withdraw from my checking account in the amount of {$250.00} in XX/XX/XXXX, an amount still not accounted for. I changed banking institutions to XXXX XXXX XXXX directing my XXXX  monies from the State of Kansas and Social Security Administration to be deposited to XXXX XXXX, and payments to XXXX be timely made from XXXX XXXX. Even though I submitted documents to XXXX XXXX from XXXX XXXX   officers rescinding automatic payments for the mortgage amount of {$450.00} and HELOC payment of {$160.00}, XXXX XXXX ignored these rescinding documents, causing several overdrafts, charging me overdraft amounts and penalties of an approximate {$490.00}, and held the payment of my Social Security XXXX  Income deposit of {$920.00} until I had paid their " electronic overdraft '' due to their error, not mine. In later court documents in the XXXX   Judicial Court, the railroaded rigged biased court ruling favored XXXX XXXX, the lender, without considering the violation of equal protection under the law of my own civil rights. I submitted an " Out of Time '' narrative to the Court, as instructed by the Hearing officer, to no avail. Though I requested a 'fair and impartial ' ruling praying for the wisdom of the Court, it appears the Court recognizes only the lender and not the consumer. In my opinion, in this case, the lender ( and company, is suspect ) and the consumer ( others like me ) are presumed at fault, especially when the lending company errored first, grossly breaking the contract thus losing Super Priority Lien status.
Consumer complaint received 2019-02-14
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 — Was not notified of investigation status or results
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I reviewed my credit report and noticed a {$41000.00} charge of from Pentagon Federal Credit Union. I immediately disputed this account with each Credit Bureaus and Pentagon. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with Pentagon due to being approved for a Car Loan through Dealership XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by Pentagon Credit Union and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to Pentagon Federal Credit Union. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way Pentagon was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the Pentagon, XXXX , and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although Pentagon responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
Consumer complaint received 2021-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MD)

On XX/XX/21 I received from ClosingUSA LLC ( the closing company ) a proceeds check and final XXXX settlement statement from the closing of the loan on my primary residence. 

The final statement had an error in the amount of {$1000.00}. It was caused by dropping the discount points item from the Debit side of the settlement statement. 

On XX/XX/21, I informed the closing company of this error by email and have not heard back. 

On XX/XX/21, I sent the same information to the closing company by first class mail.
Consumer complaint received 2019-02-14
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. (OH)

I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!
Consumer complaint received 2023-03-01
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. (DC)

XXXX and XXXX gave me a XXXX XXXX of XXXX. The score they showed for Experian was higher than the score Experian was showing me. Experian also did not update my scores of the other two agencies for 3 months. Experian ignored updating my score and showing me my true score at Experian and at the other two agencies from Experian 's dashboard. They were hiding my true score from me and the other two agencies. Experian did not want me to see that I had good credit.
Consumer complaint received 2019-04-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hypotec Inc. (FL)

Im getting misleading VA loan advertisements in the mail. I happen to be a XXXX  XXXX  and take offense at these deceptive practices by second tier lenders. They are targeting an at risk population ( Veterans ). Please look into this. Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-10
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: Innovis (OH)

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX.