davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to you in the strongest possible terms regarding the fraudulent accounts currently tarnishing my credit report. It has come to my attention that there are accounts on my credit report that are the result of identity theft and fraud. I demand immediate and aggressive action to rectify this egregious error. XXXX  XXXX and XXXX  XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-25
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. (PA)

After inspection of m y credit report, I noticed that there are names and addresses on my report and I do not live there nor use the names being reported. I do not have access to these addresses and names and I would like to prevent identity theft. I do not want any mail that has my personal information to be given to individuals I do not know. Please help me prevent identity fraud Thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

To whom it may concern, I have been wrongfully charged with force placed insurance by Roundpoint Mortgage Servicing Corporation on loan # XXXX. I was XXXX overseas from XX/XX/XXXX until XX/XX/XXXX see attachment # 1, while this occurred. My insurance policy changed from an owner occupied policy # XXXX ( Attachment # 2 ), to a tenant occupied policy # XXXX ( Attachment # 3 ). You will see with the cancelation notice of policy # XXXX states the reason for cancellation as Coverage Replaced. The owner occupied policy was replaced by a tenant occupied policy dated for XXXX. A refund for policy # XXXX ( Attachment # 2 ) of approximately {$1200.00} from XXXX was sent back to Roundpoint and deposited XX/XX/XXXX. The tenant occupied policy # XXXX ( Attachment # 3 ) was sent to Roundpoint for payment on XX/XX/XXXX. It was incorrectly filed by Roundpoint Customer service department instead of being filed with Roundpoint Insurance department. The tenant policy was not paid for two reasons ; incorrectly filed by Roundpoint and the escrow balance not being sufficient due to the refund not being cashed until XX/XX/XXXX. 
At no point did I make any mistake or have lapse in coverage caused by me. Roundpoint claimed that certified letters were sent to my home, however my wife never signed for a certified letter nor could Rointpoint provide any tracking number or signature verifications for those letters when I asked for them. I asked why they didnt attempt to call my wife or email the account on file Roundpoint claimed it is illegal for them to do so, yet suggested that my wife should have been opening mail addressed to me. I reminded them that it is a federal offense to open mail not addressed to you.

I have called Roundpoint on multiple occasions and had this issue researched by them and they have all the documentation to show this is what happened yet they have refused to reimburse me the difference in the premiums due to their incompetence. The policy through XXXX was {$1300.00} and the forced placed policy was {$3400.00}. That is a {$2100.00} mistake that I have paid for because I was XXXX and Roundpoint made a mistake. The escrow account was closed out and I receive a refund of {$420.00}, all I would like is the remaining {$1700.00} which is the amount that I was overcharged with the force placed insurance. The last person I talked to was XXXX XXXX a Roundpoint Supervisor phone number XXXX XXXX XXXX XXXX. She sent this to her research department and although they see the mistake they will not reimburse me. 

Below is a list of dates and times I have called for help. 
XX/XX/XXXX at XXXX Spoke with XXXX XXXX # XXXX XX/XX/XXXX at XXXX Spoke with XXXX told to reference XXXX- I assume those are her initials XX/XX/XXXX at XXXX Spoke with XXXX Requested a supervisor call me back XX/XX/XXXX at XXXX Spoke to XXXX XXXX she told me Roundpoint will not reimburse me for their mistake. She also said she deals with this same issue consistently and she wants a new job.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (PA)

The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXXXXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. Creditor us SM bus admin Oda Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX Inquiry Date : XX/XX/XXXX 10. Us SM bus admin Oda Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX  XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XXXX XXXX 15. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 16. Creditor : XXXX Inquiry date : XXXX XXXX 17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 18. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 19. Creditor : XXXX XXXX Inquiry date : XXXX XXXX  20. Creditor : XXXX XXXX  Inquiry date : XXXX XXXX 21. Creditor : XXXX Inquiry date : XXXX XXXX 22. Creditor : XXXX XXXX Inquiry date : XXXX XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (TX)

On XX/XX/2021 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 back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (MI)

There were about XXXX disputes on my account that I notified Ally Bank about. I was told that the debit card would be closed and I would receive my money back. Well instead of that happening, Ally added on fees for the disputed amounts. They then reported the fees to XXXX and a collections agency as though I had a negative account. I have contacted them several times to correct this. Please assist.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (PA)

The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : Make XXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX 5. Creditor us SM bus admin XXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX XXXX Date : XX/XX/XXXX 10. Us SM bus admin XXXX Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX  XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XX/XX/XXXX 15. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX 16. Creditor : XXXX Inquiry date : XX/XX/XXXX17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 18. Creditor : XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 19. Creditor : XXXX XXXX Inquiry date :XX/XX/XXXX20. Creditor : XXXXXXXX XXXX  Inquiry date :XX/XX/XXXX 21. Creditor : XXXX Inquiry date :XX/XX/XXXX 22. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX23. Creditor : XXXX XXXX XXXX XXXX Inquiry date :XX/XX/XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

I obtained a loan from XXXX XXXX dba XXXX XXXX for my 2016 XXXX XXXX. Due to the fact that I was in transition moving, and changed jobs in Colorado, they allowed me to have 2 extensions one per year. Additionally, they changed my due dates on several occasions so it would not reflect late payments on my credit report. 

I traded my vehicle in in XX/XX/2018, the dealership did not pay my loan off until 2 months later, in XX/XX/XXXX. XXXX XXXX reported me late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! Additionally, when my credit report was pulled back in XX/XX/XXXX, they had only 2 payments reported that were late. I disputed that information and the credit bureaus updated it with a total of 13 payments late during the duration of the loan! I requested a payment history, and it is fraudulent. There is no way I was late almost every month that I had the vehicle! I have expired all avenues trying to get this information deleted and it has in turn caused damages.
Consumer complaint received 2020-02-11
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 was a victim of identity theft due to a data breach with taxpayer.com in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX XXXX For Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.
Consumer complaint received 2022-01-14
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. (MO)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-04-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.
Consumer complaint received 2020-02-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MoneyLion Inc. (OH)

I received phone calls about an outstanding debt form this company. XXXX XXXX XXXX. The same rep. continuously calls my work phone number which I informed them from the beginning they can not call. I can not receive calls on this line. I made two payments to this collector and asked NUMEROUS times for a written letter to my home which i have not gotten. They sent me an email with a XXXX  address and the company XXXX  XXXX who's processing the payments is not XXXX  accredited. I told them without a written letter to my home i will no longer make payments. I have emailed them 3x asking them to stop calling my work number and they are still doing this. The number that's calling me is XXXX. The gentleman is very rude and threatening.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I am lodging a formal complaint against enhanced recovery. This debt collector has reported derogatory information on my three credit reports for debt that does not belong to me, and I never received anything in the mail from this company allowing me to dispute validity of these accounts. Which is a violation of the fdcpa/fcra. I must be notified before reporting derogatory Information on my credit reports, which gives me 30 days to dispute validity. I've had the same address all my life and same phone number. I have never had any contact with enhanced recovery. The debts are 2 accounts. One for {$1400.00} to XXXX which I know is incorrect because I've only done business with XXXX since 2006. And another debt for {$180.00} which I don't know what this debt is for. This has been the worst timing ever. I am in the process of purchasing my very first home for my family and I. And I'm being told these errounous accounts are holding my family and I back. I am requesting these accounts be deleted immediately from my credit reports so I can move forward with purchasing my home for my family. I am a single mother of XXXX kids and this is breaking my heart. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time!
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

To whom it may concern, I am writing to dispute the fraudulent items listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that a list of accounts from Capital One had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having these fraudulent items on my credit report. These discrepancies are impeding our progress of fulfilling our dreams to buy our first home. 

After reviewing the accounts, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following items be removed from my credit history to correct the information as the fraudulent charges were not made in good will nor with my authorization and knowledge. The fraudulent items can be found below : Item 1 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$3300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Credit Limit {$4000.00} Highest Balance {$3400.00} Terms NA Item 2 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$1800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$58.00} XXXX XXXX {$2000.00} Highest Balance {$2000.00} Terms NA Item 3 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed/Never late. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$71.00} Credit Limit {$5000.00} Highest Balance {$2600.00} Terms NA On Record Until XX/XX/XXXX Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: DISCOVER BANK (PA)

DISCOVER FINANCIAL SER You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There was a debt that showed up on my credit report that was not mine from 2014. It was from XXXX XXXX. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a XXXX debt but was inherited when XXXX bought XXXX XXXX credit account.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

I have opened a dispute with navy Federal due to over 8k worth of unauthorized charges on my navy federal platinum card. My account was temporarily credited during their investigation. I was later  notified that my credits were being reversed. I contacted the rep and asked why and I was told due to some information from receipts matching mine. I asked what information and he said name, email, and phone number. I let him know that is public information that could easily be found online and asked if I could appeal. I appealed, with my appeal I sent them a letter from one of the creditors freeing me of any debt owed to them due to fraudulent activity because they agreed my information had been compromised, along with my public information that I found online, i.e. phone numbers, emails, and addresses. ( Any criminal can use the dark web to find out anything ). I do not know when or how my card and information had been compromised, however, I contacted some of the businesses and did my own investigations and most of my information if any did not even match my own, most importantly NONE of them had my home address for any deliveries. I also asked when doing my appeal to please forward me any documentation inclusive to their investigation that would cause another denial. They have again denied my appeal and have not provided me with any supporting documentation. This over charge to my account has caused a tremendous drop to my credit scores and has a negative effect to my lively hood. I am finding this to be very unethical.
Consumer complaint received 2020-02-11
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: Experian Information Solutions Inc. (MD)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.