davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc. (IL)

I was looking into my credit report and I noticed that Alliance Collection Agencies had reported information in my credit report which violates FCRA AND FDCPA. I sent certified letters to them to verified the accounts with not success. Instead they decided to report it to the all of the credit bureaus XXXX, XXXX  & XXXX XXXX. Since they violated the FCRA & FDCPA I am forced to file a suit for not complying with my request. This account is NOT VERIFIED and I had enough of their negligence. Attached you will find the letter was sent to them on XX/XX/2021.
Consumer complaint received 2024-02-23
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
DEPTEDXXXX XXXXXXXX Balance Owed : {$2300.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2022-01-19
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Names : XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, NM XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2018-02-21
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)

On XX/XX/2018 I sent a letter to XXXX XXXX requesting verification on two account on my credit report. the accounts are 1. XXXX XXXX, Account numbers XXXX .... 
2. XXXX XXXX, Account numbers XXXX .... 
3. XXXX, Account numbers XXXX the investigation results summary said that these account were VERIFIED AS ACCURATE. 

I am demanding from them to send me verified proof to me so i can compare them with my records. If they can not provide me this proof i am requesting these account to be deleted immediately from my credit report
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

There are several accounts on my credit report that are showing unpaid. I have tried and even sent evidence that these accounts are paid but Equifax has not updated my credit report. These accounts are : 1. XXXX XXXXXXXX 2 XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXXXXXX XXXX  XXXX 8. XXXX XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Audit & Adjustment Co. Inc. (WA)

approximately around 2018, I started to receive calls from Audit and Adjustments regarding medical bills. I requested an audit of the account, however, it never happened. I requested a payment plan with them and they refused to accept what I could afford at that time. Now they are calling me repeatedly wanting my address so they can have me served by an attorney to my home. Durin COVID-19 this company continues to harass me.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

I'm attaching an email I received from Paypal in regards to holding a payment that I am rightfully owed. I posted items on XXXX, a person purchased my item and immediately paid via paypal.. 

Paypal believes it's in the right to hold funds for 21-30 days ... I challenge this right and demand my money, as I have released the purchased item without any security of payment deposited into my acct.. 

I also want to confirm, the direct deposit checking acct the payment should be depositied as : Routing Number ( last 4 ) XXXX Acct Number ( last 4 ) : XXXX
Consumer complaint received 2022-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I recently notice that my credit report is showing an 30 day late payment on XX/XX/XXXX. Today is XX/XX/XXXX, how can this be? Can you please help me correct this? Ive made a payment yesterday ( which Ive done before ) to get caught up and this has never happened. 

Thanks in advance for your help, XXXX XXXX XXXX
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

XXXX XXXX is in violation of CA anti-dual tracking laws and is guilty of acting in bad faith on a real estate transaction. At issue is a short sale request that was submitted to XXXX XXXX and XXXX XXXX confirmed receipt of a complete package. Once the package was complete XXXX XXXX is legally obligated to postpone their foreclosure sale date for XX/XX/18 which they have not. 

Additionally on XX/XX/18 the underwriter on the file acted in bad faith when they denied the short sale for a bogus reason of " title issues ''. All lenders understand short sales have title issues and have a legal obligation to work a short sale and provide a short sale approval letter so that junior lien holders will know how much is being offered. XXXX XXXX had a good faith obligation to advise what title issues they were concerned with and allow time to have those title issues responded to. They did not. They did not because they are acting as a foreclosure mill breaking laws and had no interest in doing what they are legally required to do which is help homeowner avoid foreclosure. XXXX XXXX should have their license pulled from CA since they can not operate within CA laws. 

Also as notated by the email attached the title issue XXXX XXXX was referring to clearly states they require XXXX XXXX approval letter before they will work short sale which is standard industry practice.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

I was supposed to receive an account opening bonus for opening a new account and meeting certain requirements. I have met all the terms of the offer and completed all the requirements but the bank is denying me the bonus. I have contacted customer service through e-mail, phone and also the branch but no one is willing to help. I also reached out to their social media team but never heard back.
Consumer complaint received 2022-05-02
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. (AZ)

In XXXX of XXXX  I submitted by mail a hand written dispute with documentation directly from XXXX XXXX regarding the reporting balance. XXXX XXXX provided me documents of my loan balances to submit for the dispute. My credit bureaus have fraud alerts and are frozen due to past identity theft. I requested for the bureau to either correctly update the balance information or DELETE it due to inaccurate reporting per my FCRA rights. The company continues to report the same information even though proof has been provided. They are reporting two balances, {$94000.00} and the accurate balance is {$71000.00} and another amount of {$3300.00} and the balance is {$2700.00} per the supporting documents directly from XXXX XXXX. I have as of today spoken to two representatives and to no avail any mutual understanding. They continue to insist to continue disputing even though it has been done several times before.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (TX)

I have been trying to correct these erroneous accounts for a very long time. please help XXXX XXXX XXXX   XXXX DEPT OF ED/XXXX   XXXX
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

My information on my loans are not accurate. Now they are telling me I have three loans in default. They are trying to make me pay for a loan already being handled by a servicer. I am being taken advantage of and fraudulent tactics are being done to my loans which I paid nearly all down. Now they are constantly sending my loans to default so they can capitalize on my loans by continue splitting my loans and resale my loan to different collections agency. My loans were with Sallie Mae and Navient they contracted my loans out collections agency and reporting inaccurate information.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

I have been overcharge by Shellpoint  Mortgage for fees and late charges as of XX/XX/XXXX in excess of {$1800.00}. I've asked several times for an explanation since XX/XX/XXXX from the company, but have not received a response. I charges are incorrect and without merit. I have had this mortgage for over 20 years and I have experience nothing but problem since it was transferred to ShellPoint  Mortgage.
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Yamaha Motor Finance Corporation USA (IL)

I was receiving normal monthly statements/bills. My last paper statement/bill was received in XXXX. Around the end of XXXX I realized that I had not received a statement/bill for a little while. On XX/XX/XXXX, I called Yamaha Financial Services and eventually spoke withe a representative. I told the rep that I had not received a bill and asked why. I was told that they switched to electronic statements. I DID NOT receive notification about this nor did I sign a consent form to receive statements electronically. I told the rep that I never received any written or email communication about this. Turns out, Yamaha Financial Services DOES NOT have my email address on file. You can not send a bill electronically if you do not have an address to send it to. I then told the rep that I want paper statements mailed to me and that I also needed to make a payment. He provided my payment amount {$250.00} for  XXXX but failed to provide late fees that had accrued. I told him that i normally pay {$260.00} so I made my normal payment thinking everything was okay and then I received a past due notice in the mail. It was dated the XXXX and I called the XXXX so I disregarded the notice, but I kept it for my records because it had instructions to be able to access my account online. I normally shred my bills after I pay them so I did not have my account number to gain access to the online account, which is another reason I kept the letter. After I received notification from XXXX that I had a loan reporting past due, I logged into my online Yamaha account to find out that I was past due a late fee that the rep failed to mention that I owed. I called Yamaha Financial on XX/XX/XXXX and again asked about the paper statements, the rep verified again that they do not have my email address on file, and he also didn't ask for it. I told them that I wanted the late fees waived, and that I wanted paper statements. After him giving canned apologies and not being able to help me, I was eventually placed on hold for several minutes and then the call was disconnected. This was a 30 minute ordeal. I would like to know why I was given my normal payment amount and not the total amount including late fees of {$39.00}. Which turned out to be {$79.00}  because I made the payment after the XXXX due date. I have had the loan since 2013 and have never missed a payment. Now I have a past due payment on my credit report which I have to waste time to dispute and I am still not receiving paper statements after requesting them. I also really want to know why and how they decided to provide electronic statements without my permission and without having my email address.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX 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 2018-02-21
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. (NE)

I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.
Consumer complaint received 2018-02-21
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. (WI)

Since XX/XX/XXXX, I have been trying to have XXXX and Transunion to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. XXXX still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. XXXX per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.
Consumer complaint received 2022-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Experian credit reporting is reporting several accounts late that were included in my cXXXX XXXX  bankruptcy. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX XXXX All reporting incorrectly Duplicating account information like is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2018-02-21
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. (IL)

I have provided Experian with a hard copy of an error that XXXX XXXX XXXX agreed to correct. The states that I do not have any 30 late payments on my account. The 30 late payment is reported on my Experian account for XX/XX/XXXX. I have furnished Experian with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX & XXXX   have corrected this error, but Experian refuse to do so. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS XX/XX/XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.