davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I sent a dispute letter to have a bankruptcy verified. 
On XX/XX/2020 Transunion credit reporting stated they verify this account and if I am not happy with the investigation, I can contact the court myself for verification XX/XX/2020 I send a letter of verification to the Bankruptcy court asking what is the method of verification with the credit bureau and also provided them a copy of my credit report to verify the listed account.This was sent certified and overnight XX/XX/2020 I received a responses back from the court house saying they don't verified anything with the credit bureau and the information I sent was not able to be located. 
XX/XX/2020 I sent Transunion a copy of the letter they sent, a copy of what the court house send me and asked them to please delete it under my rights of the FCRA. 
XX/XX/2020 I received a letter back from Transunion stating the item was once again accurate. I placed a call to them at XXXX XXXX  on XX/XX/2020 to have someone explain why haven't the item been deleted. I was told by the representative that the information I sent was not acceptable, that they go through a 3rd party called XXXX to verify. Once again you did not verify it, so you have to delete it. However the lady told me she will resubmit the dispute it wasn't nothing she can do
Consumer complaint received 2019-06-03
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. (KY)

The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX  2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 ) Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 ) Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 ) Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 ) Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 ) Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}
Consumer complaint received 2021-03-02
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Appearing ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Addresses ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX XXXX' After Contacting Creditor Directly ( XXXX XXXX XXXX XXXX, TN XXXX ) And ( XXXX XXXX XXXX XXXX XXXX, AZ XXXX ). I Uploaded A Picture Of My Government Issued ID That's Attached For Current Correct Address Including IDTheftReport From XX/XX/20 And Updated Corrected Consumer Statement : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX. 

XXXX XXXX : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

I was a XXXX XXXX seeking student at XXXX XXXX University a few years back but abruptly was prevented from taking another course due to " not signing a letter that I accepted the private loan via Sallie Mae ''. When I signed up for the course I went online to to officially aquire student loans to attend XXXX  school. Then I received a letter from XXXX stating that I can not take any more courses until I pay {$2000.00} in cash and then I can reapply but when I tried contacting the bursar office they claimed that I should have received a letter in the mail that needed my signature to approve the loan. Well at the time, I was living at my parents home helping pay their mortgage because the home was under forclosure. My parents ended up losing their home but I still never received a letter from the XXXX Bursar stating that I needed a signature for the loan. Now I am seeing a creditor asking for {$3400.00} which another XXXX dollars added on to the original amount owed. Can you say price gouging? There is an epidemic of teachers and former college students that went through the very same situation. Can you say scam?
Consumer complaint received 2016-08-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My mortgage company denied my application for modifying my loan. In their denial letter, they stated, what I feel are, generic reasons for not qualifying for any of the modification programs. I have tried to ask for clarification, and a better understanding of why they believe I am not eligible, and they are unwilling to give me that information. While they did send an appeal form with the denial letter, it is kind of hard to appeal their decision, or interpretation of the information that I sent them, if they will not go into the details with me. It is also impossible to provide them with additional information, or point out a mistake that may have been made, which is the reason for the appeal, if they are not forth coming with how they came to their conclusion. A few examples, they claim my property has a negative NPV, but will not give me the numbers they used to arrive at this determination. They are using a credit score, XXXX of points below the credit ratings I have pulled up on line. They are using a property value, XXXX dollars below the market value of my property, even though I have submitted a copy of the last appraisal I had done, and have pointed out, that they used an appraiser who did a drive by exterior appraisal, and compared my property to others in the area that are less than 1/2 the size. I am trying to find out if their is a way to file a complaint with XXXX about this, and where I would go, or who I would call to accomplish this.
Consumer complaint received 2020-08-21
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)

I HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.
Consumer complaint received 2021-02-21
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. (AR)

On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXXXXXX XXXX to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.
Consumer complaint received 2021-02-21
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)

I have filed a dispute with the Identity Theft Gov concerning these accounts. I have emailed and sent Letters/ Called XXXX  XXXX XXXX XXXX And Experian regarding these accounts and can not get the help removing them ...
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (NV)

I have tried several times via over the phone and via mail to have this issue solved as there were many inaccuracies regarding this account. Everytime I spoke with a representative from this agency, I was told they would be sending me letters with an updated balance, I was also told when I asked specific questions regarding validity of the account, that a representative would call me back. None of my calls were ever returned. There are different amounts owed and no validation has ever been provided to me.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I recently received my credit report from Equifax. Confirmation number XXXX. There is information missing from this report from when I filed bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX XXXX have been removed. The bankruptcy case number is XXXX. The property at XXXX XXXX XXXX TN XXXX was included when I filed. Someone is using my personal information to abuse my credit. There is an address listed that do n't belong to me. It is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. I 've never lived in Michigan, nor have I ever visited there. XXXX-mortgage statements have been reported to IRS for XXXX XXXX XXXX. The loan number is XXXX. Their Federal Identification number is XXXX/address XXXX XXXX XXXX XXXX Kentucky XXXX. The loan I had with XXXX XXXX is not on this credit report, yet when I filed bankruptcy in XX/XX/XXXX loan number XXXX was in the court database base. The property was foreclosed on and sold to Tennessee Housing Authority. A XXXX was reported to IRS in XX/XX/XXXX. Someone reported The Department of labor Federal Identification to IRS. Rather than Tennessee Housing Federal Identification number. The deed number after the property was sold is XXXX. The property was sold in the amount of {$18000.00}. I was not involved with the transaction. I requested this information from XXXX XXXX XXXX County Register Office in XX/XX/XXXX. I pulled my transcripts from IRS, this is how I gained access to the number. There are medical accounts on the report that do not belong to me. Account # XXXX ( XXXX ) $ XXXX-XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX ) {$42.00}. XXXX XXXX XXXX -Account number XXXX ( XXXX XXXX ) {$0.00}. XXXX XXXX XXXX -account # 's XXXX,XXXX,XXXX & XXXX is on my credit report.
Consumer complaint received 2020-05-05
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX {$84.00} XXXX XXXX  XXXX {$180.00}
Consumer complaint received 2017-03-01
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY (AZ)

My parents got reverse mortgage XX/XX/XXXX father died XX/XX/XXXX I moved bk in home with mom XXXX later she died in home when I left state after my son died. Soposidly mom told me rev morg was takin care Ov? My heath problems with unable to work.son moved in with me he heath problems ambulance was here time for him he was unresponsive 3ov those times have no place go no money do n't no what do this is myfamiley home goin to up for forcscloser XX/XX/XXXX help
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received multiple calls from XXXX XXXX XXXX upwards of 7 times a week. 

on XX/XX/year> i informed them to not call me further for the harassment. 

XX/XX/year> they called again, after my verbal cease and desist from XXXX sunday, XX/XX/year> from XXXX and today, XX/XX/year> from XXXX where i again told them to not call me and the manager had stated that they do not have a do not call list.
Consumer complaint received 2024-05-03
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. (NC)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 American Express XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Demand and notice of intent to arbitrate Promotional Amex Offer for credit card account XXXX To Whom It May Concern : 1. On XX/XX/2019, I received an email ( Exhibit A ) from American Express ( the Bank ) which advertised various Amex Offers attached to my credit card ending in XXXX ( the Account ). One of these offers advertised 10 % back at XXXX. 

2. In response to the email, I made a {$200.00} purchase at XXXX with credit card XXXX on XX/XX/2019. The 10 % cash back did not post. 

3. On XX/XX/2019, I contacted customer service for assistance via chat ( Exhibit B ) and was advised by XXXX that I had already used this offer 5 months earlier on XX/XX/2019. XXXX refused to honor the recently advertised 10 % back offer. 

4. Please pay the advertised cash back in the amount of {$20.00}. 

5. Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Cardmember Agreement which governs the Account. 


Sincerely, XXXX XXXX enc.
Consumer complaint received 2019-06-03
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. (MO)

I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.
Consumer complaint received 2016-03-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by XXXX and XXXX because it was deemed fraudulent.
Consumer complaint received 2021-03-02
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. (AZ)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for as well as a collection that has been paid for YEARS. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX I attempted to dispute again with the bureaus and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to credit collection services. My mother has a joint account that was being used at XXXX and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WI)

Purchased XXXX  cryptocurrency for a list price of {$0.00}, spent {$2300.00} USD. This price was listed higher than other exchanges but since its what many of us have access to. Paying higher was acceptable as the price would grow and wed sell for higher. However Coinbase pulled the rug out and later decided to manually adjust their price to match other exchanges so those of us who paid more on their platform were now selling for less. The price was now {$0.00}! This was NOT standard market movement, it was manipulation by CB. This was illegal, immoral and absolutely recirculate. In seconds my balance dropped from {$2300.00} to under {$300.00}! 

again we all know stocks and coins move, price fluctuates etc. this is NOT marked fluctuation - see the picture its straight manipulation and they have a lot of unhappy customers right now. I either want my {$2000.00} difference imbalance back or an adjustment to my amount of XXXX so I can sell it and retain my total of {$2300.00}. Im not selling in the meantime as I would only get {$280.00}!
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. XXXX, XXXX  and Transunion all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have made my XX/XX/2020 mortgage payment on XX/XX/2020 in the amount of {$2500.00}. It was never applied to my outstanding balance on my account number XXXX. I have emailed them and called them multiple times with no resolution. I have sent the proof of payment form from my XXXX XXXX account. I am getting nowhere.