davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (OH)

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -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
Consumer complaint received 2020-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NY)

There was a late payment that hit my credit report in error after it was paid from the wrong account and the payment bounced. We made the payment again and it went through. I didn't even have the car in my possession and should not be responsible for this. Please help me with this as I am willing to go to my Attorney General in New York to get this rectified as he is 100 % for the consumers against the creditors and credit bureaus.
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I have been trying to do a deed in lieu with my main mortgage holder and the secondary mortgage holder for approximately one year. Main mortgage holder, XXXX, has been fine to work with. Secondary mortgage holder, SLS, has been a disaster. They have missed responding to 5 short payoff contingent approval letters sent to them by XXXX. 

Each time SLS misses responding to XXXX 's short payoff contingency letter, my case closes out at XXXX and then I have to submit paperwork and start the whole process over again. 

I am an elderly woman and have been trying to turn over my house to XXXX since shortly after my son 's untimely death, because he helped me pay my bills and after he died, I was no longer able to afford the house. I was advised the deed in lieu would be a good process to use. It has turned into a nightmare because of the incompetence of the SLS company as the junior lien holder. 

Dealing with them is causing me so much stress in my life, at a time when I'm still grieving over my son 's death, and I need DESPERATELY for someone to help me. 

My daughter had been helping me deal with them from last XXXX through this past XXXX, when they yet again failed to respond timely to the short payoff contingency letter. When they failed to do it that time, that was the THIRD time they didn't respond and she no longer wishes to deal with them over the phone because of their incompetence. They've now failed a couple of more times since then. PLEASE HELP ME.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : My only correct date of birth is : Please remove all phone numbers on my credit report. 

Please remove all the other addresses off of my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

I have an auto loan with Bridgecrest. I have set up a bill payment through my bank to pay my monthly amount. I have not had a problem with this until XXXX. My XXXX payment was showing it was not received. On my statement, which I provided to Bridgecrest, it shows the payment cleared my bank on XX/XX/XXXX. I contacted Bridgecrest multiple times and have spoken to 5 different people in the customer relations department and I keep hearing the same thing ; we are working on looking for the payment. On XX/XX/XXXX, my bank, XXXX XXXX XXXX XXXX, provided Bridgecrest with a copy of the check that showed their bank, XXXX XXXX, received the payment on XX/XX/XXXX. This has been going on for 7 weeks now and nothing is being done to rectify the problem. I have asked to have my account credited this amount since I have proven the payment was made, and they can continue to research where the money went, but they will not credit me since they can not find the money. 
Since this all started, I have received numerous calls harassing me about this delinquent payment, saying I will be sent to collections and this will be posted on my credit report. I also received a letter that was titled Notice of XXXX to XXXX and XXXX to Repossess. This is absolutely frustrating! I have great credit, have never been delinquent on any loans or any types of payments, yet even though I paid this monthly payment, I am being threatened by Bridgecrest of tarnishing my credit and repossessing my car. Also, since this all began, my bank made another payment to Brdigecrest that cleared on XX/XX/XXXX. This payment was done the exact same way as all my other payments, including the XXXX payment they can not seem to find. 
I do not know what else to do at this point. I can not speak to anyone higher up in the company. The rep refuses toilet me speak to her superiors and tells me there is no one higher than her to speak to about this. Please help me. I am feeling stuck and there is nothing I can do to fix this problem. This company is messing with my credit and my sanity at this point, and I don't know what I can do.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (CA)

Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OH)

I was hacked on my laptop on XX/XX/XXXX in 2020. This was right before the Covid-19 pandemic started to get very serious in the XXXX. All my credit cards and accounts were compromised and I needed to cancel them all. I had no safe internet source to use so I had to depend on my landline that wasn't completely safe, as it is tied in with my XXXX  and is a cordless phone. I called all my card companies and Target XXXX XXXX XXXX was the only one that did have a charge on it of XXXX that was not authorized by me and I am the only person who holds a card in my name. We live 200 miles from the nearest Target store, and nothing was ordered. They said a form would be sent to me to explain the fraudulent activity new cards with new numbers would be sent. I got the form, filled it out in detail, and sent it back per their request. I got the new cards, but when I tried using them several months later, for a couple of gift cards online, they would not process. I tried the activation process again with the card and it seemed to process, but the card could not be used. I had a zero balance on the account, as I used the card rarely anyway. I didn't worry much about it, since I use my Debit card for most things. In XX/XX/2020, my handbag was taken from my car, and the new Target card was taken. I couldn't believe it. So I called and canceled the current one and ordered a replacement. It was automated so I didn't get to talk to anyone about not being able to use the card. I tried several more times after I received the new card to activate it, and it was not working. I called the customer service number and each time I called, it would get me an automated person, and when I gave my credentials it would say i needed to hold the line for a representative. Each time I called and did this, which was about a half dozen times, I would be on hold and eventually be cut off and the phone would go dead. It's like my account has been flagged, but if so, I need to know what the issue is and get it straightened out. I have done absolutely nothing wrong and now the biggest issue I have is, my XXXX  Credit score has dropped XXXX points because Target without warning, dropped my credit limit from XXXX to XXXX. That is the kiss of XXXX  on a credit score and my credit score is impeccable and I have not been late nor missed a payment in 25 years on anything. I get my credit limit raised, I do not get it decreased. I don ' t care if I ever use the Target account again and would just close it if it didn't jeopardize my credit score, but I will not stand for a XXXX point drop in my score because of a company not responding to my calls and emails. Please please see if you can be an advocate and get Target to contact me and get this settled. I had the same issue with XXXX. It took six months and two months of an incorrect poor credit score and the FTC to fix it. 
Thanks, XXXX XXXX
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Consumer complaint received 2019-08-14
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. (CA)

Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (FL)

I was a customer of XXXX and receiving suspicious emails around XX/XX/XXXX pertaining to activity on my account that had not occurred. In XX/XX/XXXX I received two emails simultaneously. One stating that XXXX had received my request to close my account and one that it had been closed. I called and spoke with an agent who told me my account had been closed the previous XXXX. I explained that was incorrect as I was currently using it and paying it. However, due to this, I paid my current balance and made sure it was closed and signed up with another company for security reasons. That was the end. 

This morning I received a notification that I had new collection on my credit report from radius global solutions pertaining to XXXX. I have not received a call or letter from either company in reference to any balance due. This is insane that these companies just decide you owe something out of nowhere with their backwards data and go immediately to your credit report not caring how it impacts your life.
Consumer complaint received 2019-08-14
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. (CA)

Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (DE)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-02-01
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}
Consumer complaint received 2021-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Transunion being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Transunion received everything required under the FCRA needed to remove and place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX and XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Transunion has yet to place a block on all information resulting from identity theft. I called Transunion today at XXXX pm and requested information on the block of information resulting from identity theft. A representative of Transunion informed me that they were not placing a block on the information because of the company policy they have in place. I informed the representative that their companies policy does not supersede Federal law and according to Federal Law, I submitted everything that was required.

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 BUSINESS DAYS after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have not received any sworn statements from any senior Executive member of this company on an affidavit signed under the penalty of perjury. Therefore, Transunion is willingly and knowingly violating my federally protected rights under the FCRA to protect a business relationship they have with these organizations by allowing them to park debt on my consumer report in order to ruin my financial reputation.

15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Transunion allows its policies and business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED CONSUMER RIGHTS, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure as allowed under 15 USC 1681n and 15 USC 1681o.
Consumer complaint received 2023-01-23
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. (NM)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has an incorrect account on my credit report that is not my account and proof of verification has not been submitted or provided, letter mailed to Transunion on XX/XX/2020. Account # XXXX is not my account.
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

THERE IS A FORECLOSURE SALE DATE FOR XX/XX/2021. FAY SERVICING NEVER SENT A LETTER STATING THAT THEY ARE THE NEW SERVICER FOR THE LOAN AT MY PROPERTY ADDRESS. I WOULD LIKE A LOAN MODIFICATION
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

None of the accounts below belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
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. (TX)

I called XXXX  and submitted disputes with all Three bureaus. XXXX updated late payment reporting on my XXXX but has refused to update my XXXX or Experian. I have been getting the run around without a response.