davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-25
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)

I mailed 3 separate written letters to TRANSUNION requesting them to validate accounts listed as XXXX, XXXX, XXXX XXXX XXXX XXXX Bank under my credit report. With every letter, I included notarization with copies of my identifications to prove my identity. I also mailed all of those letters via certified mail as evidence. 

Nonetheless, TRANSUNION has failed to verify the 4 items as they havent sent me any documentation with my signature on it. All the letters I received from TRANSUNiON seem to be generic responses since it 's the exact wording. Those responses say verified yet I dont have any verification as proof like I asked for in my letters. 

Letters were mailed on the following dates to TRANSUNION : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I spent money multiple times on Notaries and in Certifying Mail services attempting to resolve this with TRANSUNION. 

On dates : XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX they mailed the same response yet it seems they ignored every one of my 3 letters as they didnt address it accordingly. There werent any changes made, just a generic response to meet the 30 days they have to respond requirement. 

( Copy of everything attached )
Consumer complaint received 2022-03-31
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. (GA)

XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 1. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )
Consumer complaint received 2018-03-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stewart Information Services (NV)

I have not been paid by XXXX XXXX investor Vendors, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX c/o XXXX XXXX, and XXXX XXXX, for XXXX XXXX  XXXX XXXX that started XX/XX/03, & is now traded on Stock Market, as shown in emails sent to me from XXXX XXXX, et al., under STOCK.I.D. named stc.They change their stock I.d . and business name or structure between emails to continue the fraud trading, buying, selling, competing with my stock.
Consumer complaint received 2017-11-25
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. (OH)

XXXX XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of XXXX XXXX inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and Experian.
Consumer complaint received 2022-03-31
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. (WI)

I have not supplied proof under doctrine of estoppel by salience. Engelhardt v. Gaven ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX Acct # : XXXX Date XXXX : XX/XX/2019 Balance : XXXX Debt is included in identity theft report.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FACTUAL DATA CORP. (IL)

XXXX XXXX  is reporting the folling cases XXXX  under a XXXX XXXX case XXXX under a XXXX XXXX   and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX.. I have had only 2 names my whole life. I spoke to XXXX  at XXXX XXXX his # is XXXX ext XXXX  he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..
Consumer complaint received 2020-05-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

Debt Collector Navient Keep getting annoying phone calls. I sent a letter to them on XXXX XXXX and still getting the annoying calls. The calls will be at least three to four times a day.
Consumer complaint received 2023-02-07
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)

i went to a car dealership to and they said they would only be using kia now there are over five hard inquiries on my credit report. 
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 I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.
Consumer complaint received 2017-11-25
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: Convergent Resources, Inc. (NY)

On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

This debt is past the 7 year mark. Company dropped it from my credit then reaged it as if it were a new debt. Debt is from XXXX and is now being reported that it was from XXXX.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

So in XXXX I sent a payment of {$1100.00} in a Cashier 's Check to Cornerstone Home Lending, Inc. At that time we were having financial issues and was short on payment. However, Cornerstone cashed the Cashier 's Check and showed on our statement as Unapplied Funds. Then our mortgage was sold to XXXXXXXX XXXX who is our current mortgage company. The {$1100.00} payment was not sent over to XXXXXXXX XXXX  and was never applied to the account. I have contacted XXXX by phone and by mail and was sent a letter stating that they never received the funds from Cornerstone. I contacted Cornerstone by mail at the beginning of XXXX and I have not received any reply. In the letter I stated that the funds can be returned to myself or sent over to XXXX. When I call XXXX all I get is that my loan has been moved to another company and to contact them directly. 

I need to know how I can get this problem solved and my money refunded or sent to my new mortgage company. 

I will appreciate all and any help I can get. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have pulled up my credit report in the Past and recently XX/XX/17, All my information is mixed with Fathers information. When Ipull up my credit report with my social security and date of birth it pulls up my dads information. I have also contacted a credit repair company suggested XXXX XXXX website and the rep that I spoke with also pulled up the report and there in fact showed Accounts that belong to my father. Also My father is Not deceased so there is no reason for this mix up. There are inquires that have been on my credit report for a more then five years. There also credit cards that were opened with my information.
Consumer complaint received 2018-03-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (KS)

We had a car financed through Ally Auto ( XXXX XXXX XXXX ). The vehicle was involved in a wreck that totaled the car. Our Auto Insurance paid their part, and our GAP Insurance took awhile to pay off. The GAP Insurance paid off everything except XXXX. Ally started calling us 9-10 times a day and would call us 30 seconds apart on 3 different numbers and also a separate call each day to my wifes work number. I called them and told them the harrassing calls mutiple times a day needed to stop. I told them I got a part time job to help pay this off and I would be paying it off by XX/XX/XXXX. I asked them to no longer call me on XXXX work cell or XXXX work phone. I also asked them to not call my wife at work ( which they had already been told over a year ago not to call her at work ). They have repeatedly still called my wife and work and still call me on XXXX. I am sick and tired of being harrassed by this company on phone lines I have repeatedly told them not to call on. Today I spoke to a supervisor and gave them the information again.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I sent a letter to XXXX XXXX informing them that charge offs are considered income so they should not be reporting negatively on my Consumer report and I wanted to have it removed immediately and permanently.
Consumer complaint received 2017-11-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that Portfolio Recovery ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, Portfolio Recovery has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

Portfolio Recovery from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NC)

They are trying to force me to set up automatic payments by saying that starting XX/XX/2018. Any one time payment on the website or their app will be charged a {$3.00} fee. To avoid the fee I must set up automatic payments OR mail in the payment by using a check.
Consumer complaint received 2022-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

XXXX of XXXX I filed for a Covid forbearance plan due to lack of work/income reduction related to the XXXX pandemic. As of XX/XX/XXXX that forbearance plan was scheduled to end. I had just gotten a new job and was prepared to resume my mortgage payments as scheduled. I was offered several different repayment options during my forbearance period, most of which I was either lied to about or AmeriHome refused to provide me with any detailed information about when I requested. When it came time to file for a repayment plan the only one that I was told was an option for me was the Partial Claim. Seeing no other way to proceed, I accepted this. I signed the paperwork as instructed and mailed overnight to AmeriHome on XX/XX/XXXX. I had no communication or correspondence from AmeriHome for several weeks after. With my XX/XX/XXXX payment coming due I reached out to check the status and was told my paperwork needed to be resigned. I patiently waited another several weeks and never received the new paperwork. I reached out again XXXX and was told the request for new paperwork was being processed. On XX/XX/XXXX I still had not received anything and called in again to submit another request for the Partial Claim paperwork. I was told I should receive this paperwork no later than XX/XX/XXXX. Again, I did not receive anything and even AmeriHome representatives were not sure why nothing was being sent to me. The week of XX/XX/XXXX I spoke to another representative that made me aware of a loan modification option in which my mortgage could be extended and interest rate lowered in order for me to resume making payments at a lower amount. This was an option I originally wanted to take but was not offered in XXXX even at my request. Now, paperwork for this option was supposed to have been sent and I was told I would receive by end of XXXX at the latest. As of today, XX/XX/XXXX, I have not received anything from AmeriHome, despite repeated requests, mailed letters, and exhausting efforts. I am growing very concerned that legal action may be necessary to avoid damage to my credit and attempted foreclosure by AmeriHome even though I am ready, willing, and able to resume my mortgage payments. A process that was supposed to be resolved in XXXX has now taken more than 3 additional months which is far beyond any reasonable timeline.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Transunion is listing an inaccurate DOB on my credit file. I logged into their system in order to dispute it, and they do not allow customers to dispute this information. Otherwise, I would dispute it and would upload a copy of my birth certificate or my driver 's license.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NJ)

Requested a modification, which I received on XX/XX/2024. I returned all of the paperwork on time. I then received another letter stating that I did not get the modification without any explanation.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2021, I had paid The XXXX XXXX {$360.00} for a hotel room in which Wells Fargo had placed a hold on my account and I had it cleared and saw the amount taken out of my bank account with no issues. to fast forward to today, XX/XX/2021, I saw that they had taken another {$160.00} from my bank account, causing my account to fall to XXXX when I called their banking center, their representative gave me an excuse that it wasn't their fault that it took over 7 days to process when the money was taken out of my account and refused to further assist me. now I'm in a deeper hole as they will charge multiple overdraft fees, bringing down my account further. I have turned to the CFPB for help because I know that Wells Fargo will not help me any further and I have lost all faith in them
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am looking at my credit report today XX/XX/24, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are NOT complete and accurate. they did not provide me with the original contract as requested and the documentation that proves the amount that i allegedly owe with my signature the information is False and inaccurate the date open on my credit account is inaccurate and the payment history. 
And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows le cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-03-19
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. (CA)

On XX/XX/2018, I was applying for a mortgage loan. When I pulled my credit report I saw there was an error reported by XXXX XXXX credit card. XXXX XXXX reported a " Late Payment '' on all three major credit reporting agencies that cause my scores to drop more than XXXX points from XXXX down to XXXX. 
I contacted XXXX XXXX consumer department to find out what happened with the error in reporting. I spoke with a customer representative name XXXX. 
XXXX told me that the late payment was reported due to the fact that they billed me for annual membership fee. However, XXXX XXXX admitted that they never notify me nor send out any statement billing to allow me to pay for that fee. 
I paid for the fee ( payment confirmation # XXXX ) to keep my account status open. In addition, I complaint to XXXX about the reporting errors with the credit reporting agencies. XXXX went on to apologize for that error and told me that he went ahead and sent an update to the XXXX major credit reporting agencies to " remove '' the late payment status. 
However, I just recently order a new credit report to find out if the errors have been remove but those errors are still reporting as 30 days late. I have a recording of our conversation with XXXX from XXXX XXXX.
Consumer complaint received 2015-06-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.
Consumer complaint received 2021-07-06
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: BARCLAYS BANK DELAWARE (CT)

I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.