davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
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. (AL)

I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.
Consumer complaint received 2018-02-18
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. (PA)

On XX/XX/XXXX a balance of {$0.00} from XXXX XXXX XXXX   appeared on my Transunion and XXXX credit report. I am challenging Transunion and XXXX  to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2022-05-01
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. (TX)

on XXXX I paid off a Collection from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX  # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$2200.00}
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXF-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXXC-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX  CRE-Date of inquiry XX/XX/2020
Consumer complaint received 2018-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian IS A consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX, XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX, XXXX XXXX are financial institutions and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( XXXX XXXX, XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX, XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (PA)

An accordance with the fair credit reporting act. ( Child Support enf ag/n ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Consumer complaint received 2018-02-18
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. (PA)

On XX/XX/2016 a balance of {$13000.00} appeared on my XXXX Credit report. I am challenging XXXX to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.
Consumer complaint received 2018-02-18
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. (NY)

I dispute an account XXXX XXXX with all the bureaus. XXXX and XXXX deleted this account from my credit files due to my proof. On XX/XX/18 I faxed a follow suit letter and proof to Experian. On XX/XX/18 I called when I was at lunch, and was speaking to a XXXX, and told him that I wanted to know the status of the follow suit letter that I had faxed in. I did not give him the date yet, and he looked into my file and said " the dispute from XX/XX/18 '' at this point I got disconnected from hi, and boy I wish I didn't get hung up on. I immediately called back and got a different female rep. Told her that I was speaking to XXXX about a dispute and she said that Experian does not have a fax to a in dispute information. I than told her that I have faxed Experian many times and on my fax machine when sending the fax it even says Experian. She told me that she could dispute it with me over the phone, and send it over to the creditor. I am not trying to dispute with the creditor, XXXX XXXX, I am trying to get Experian to follow suit with XXXX and XXXX to delete from my report. I called XX/XX/18 again and spoke to XXXX and again was told that he could dispute it, I told him never mind because I did not want to dispute with company and I will just submit online and upload all my documents. I did this. I have not heard or got any notification that they have received my follow suit letter ro anything.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

I have a recently closed complaint regarding this issue. I have been working with XXXX XXXX at XXXX XXXX. She was helpful at first but now after many calls/emails I can not get in touch with her. My modification paperwork has taken over 2 months because of errors not caused by me. I owe 3 months of payments and I am trying to get financial assistance from XXXX. I explained to XXXX in XXXX I needed to show 3 months delinquent but my statement is showing XXXX due ( I was denied assistance because of this ) XXXX  wanted to speak with XXXX to confirm but not being available they denied me. Now finally my modification was processed on XX/XX/year>, I paid XXXX payment. Although my statement from XXXX is still showing XXXX due & I can't apply for XXXX  again until my statement shows the correct amount of 3 months past due. This will not happen until my XX/XX/XXXX statement and I am requesting a letter or escalating a statement showing the new amounts. I have called & emailed XXXX XXXX over the past 2 days with no response. I just called XXXX XXXX and was advised they can't provide this information to me. I am trying to get help and make my mortgage current. This is so frustrating
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I received to pay off quotes on the XXXX of XXXX which had to be paid off by the end of that day for its to still be valid, and which I did I was misled into overpaying by {$1000.00}. I then have the printout of the payoff quote which clearly says that the Gap refund and service contract refund was not included in my quote are neither of the quotes from XX/XX/XXXX. I then file the complaint with the consumer hero because they took over a month to give me my money back which was just a reversal on the extra payment I made. Then I got something in the mail saying that my title was released electronically and any Gap or service contract refund was not included and I should be expecting a check. Just about one week ago which is about XX/XX/XXXX I received another print out in the mail saying that my account has been credited with my Gap payment and my refund amount service refund which is impossible and not true because I've already was closed out from the first time you sent me a letter saying that my lease my lien was taken off already good because I paid it off. I called them yesterday XX/XX/XXXX and had them sit there and lie to me over and over again about within correct dates and incorrect mouth and we're not did not give me the time to even explain anything to Dad because they were so sure they're right when I have all the documentation and paperwork proving that they are in fact wrong and they are very ignorant and rude people they need to be shut down because of the way they treat others and somebody should sue them and take everything that they have because they don't even deserve bread to eat. They lie they charge interest and get mad when you make payments late which I've never made a late one but yet they can't pay you back on time and they're just liars and they're greedy and they're scandalous and are misleading and they don't do anything they say they're going to do by their own contract and I want my money back now it's kind of sad they thought they were going to get over on me because they made trick me into overpaying for no reason because our system doesn't work correctly well unfortunately it's not going to work because I'm not just going to let them rip me off like everyone else off
Consumer complaint received 2018-02-19
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. (FL)

I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by XXXXurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

These credit bureaus have been notified XXXX  times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX contractors, but neither one of these are allowed to be on the report and these must be removed. 

I own " XXXXXXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 2018
Consumer complaint received 2018-02-14
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: Ad Astra Recovery Services Inc (NV)

I have attempted several times to rectify my issue with XXXX and XXXX regarding a collection account that is showing open from collection agency AD ASTRA account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
Consumer complaint received 2020-01-22
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 REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

My debit card was stolen XX/XX/XXXX and used to create an overdraft account. I called Wells Fargo to report stolen card and fraudulent activity on my Wells Fargo checking account. My card was never deactivated or reported stolen on Wells Fargo data. my account received multiple transactions and over draft fees after I reported my account debit card lost. I contacted Wells Fargo I spoke with supervisor : Yousif reference number : XXXX.. Who could not answer any of my questions about my Wells Fargo account being hacked and charged over {$220.00} dollars. I also spoke with customer service representative : XXXX XXXX about the situation she was rude and hung up on me without answering any information about my account occurring 4 different overdraft fees. I just want my account refunded XXXX dollars that was not supposed to be overdraft if my card was reported XX/XX/XXXX. All these fees accrued after I reported my card stolen and being used by not the authorized user or the bank account.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from Fed XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except one. The loan summary detailed report provided all accounts I had through Fed Loan.
Consumer complaint received 2018-02-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

There has been continous fraudulent activity to the point that Bank of AmericaXXXX has attempted and fraudulent and illegal sale of property that does not belong to them. The bank has no lawful or legal consideration. I have requested repeatedly for Bank of America to provide proof of claim and they have yet to provide but utilized XXXX XXXX to allegedly sell property at an XXXX XXXX. Receive letters stating the secured /trusted property was sold ( illegally ) and ( Fraudulently ) to another company however, just received something in mail stating that property was allegedly sold to someone by the name of XXXX XXXX . 

I'm requesting all documentation pertaining to illegal sell of property to include all previously requested information pursuant to RESPA Request etc.
Consumer complaint received 2018-02-19
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Delta Management Associates, Inc. (SC)

This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.