davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
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)

It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (PA)

UAS XXXX has had the incorrect contact information on my account ever since they bought out the previous loan servicing company. I have tried multiple times to fix this but it has been an issue for at least a year. Because of their incorrect data, I do not receive any information in regards to loan status, due dates, or past due notices. 

Due to my loan bouncing around multiple companies, I have been unable to keep track when a payment is due, who it's due to, and what the amount is. In fact, I have received zero communication about past due notices, yet this company has no problem reporting it to the credit bureaus. They make no effort in working with the customer and leave me wonder what is going on.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Equifax is the worse when it comes to reporting, to my surprise, as I look thru my credit file I saw all of the account that were discharged in a bankruptcy do not say discharged in bankruptcy and now they are counting one of the accounts late payments which is affecting me even worse, I do not owe those debts any longer and they have them listed like I do. They took these accounts out of the bankruptcy and thats ilegal to do. I will be contacting the attorney generals office today and I will also file a small claims suit against Equifax if this bankruptcy is not deleted at once, this might be a game to this company but not me, I hope I see this come off my credit file in 10 business days or I will not hesitate to continue my quest for justice. I will also place a complaint to the bbb or better business bureau.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (DC)

On XXXX XXXXXX/XX/XXXX I received a letter of explanation from the Wells Fargo Dealer Services the events leading to have XXXX late payments filed on my credit reports. WFDS reports they received a check from Passport XXXX of XXXX in the amount of {$27000.00} and posted it to my account on XXXX XXXX, XX/XX/XXXX however " it was an insufficient amount with regard to paying your account in full so the account remained 12 days past due for the XXXX XX/XX/XXXX installment. '' My monthly installment payments to WFDS was {$740.00}, per my loan contract, therefore the payment WFDS received from Passport XXXX was more than sufficient the pay the XXXX XX/XX/XXXX installment. If the payment received from Passport XXXX was insufficient WFDS should have declined payment and returned the check, when they accepted and posted the check they accepted the amount as payment. WFDS also reports my loan was 12 days past due, loans are generally reported late after 30 days yet this loans was reported late after 12 days. I do not understand why different credit reporting practices were used in my case. WFDS sent me a letter the XXXX week of XXXX XX/XX/XXXX, stating my loan had been paid in full and was closed in good standing ; there was not a mention of this letter from WFDS. They also report on XXXX XXXX, XX/XX/XXXX a payoff quote was provided to Passport XXXX for the amount of {$300.00} which was good through XXXX XXXX, XX/XX/XXXX ; on XXXX XXXX, XX/XX/XXXX XXXX received a payment in the amount of {$300.00}. The actual quote should have been {$230.00} however WFDS failed to mention this as well. 
As a result of WFDS fraudulent reports my credit report suffered XXXX point, I was denied credit for a home to be used as my primary residence. I do not believe WFDS would have compromised my credit and if I were not a XXXX female. I believe that WFDS has engaged in discriminatory and unethical practices. In the report WFDS signed and claimed to be a true statement they have disregarded information relevant to my claim and proves they did not act on good intentions.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NH)

I requested my FULL FILE DISCLOSURE report from Lexis Nexis and received a letter with a link to obtain my file on-line. The Lexis Nexis report is so bad that I can not even begin to dispute except to  say that I am NOT receiving a FULL FILE DISCLOSURE report from Lexis Nexis to include the following reports : ( 1 ) XXXX  . Report for Auto : Summarizes auto insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of auto insurance underwriting. 

( 2 ) XXXX XXXX Report for Property : Summarizes property insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of property insurance underwriting. 

( 3 ) XXXX XXXX XXXX : Summarizes historical home and auto coverage information provided by participating insurance companies. It is used to assess current insurance coverage as well as identity gaps in prior underwriting. 

( 4 ) XXXX : Provides attributes using public record data. It is used for insurance underwriting and insurance prescreening. 

( 5 ) XXXX XXXX XXXX : Provides search results from public records. It is used to asses applications and renewals of insurance underwriting. 

( 6 ) XXXX Report : Provides search results from national court records regarding bankruptices, tax liens, judegments. It is used to monitor developments that could affect a current account relationship. 

( 7 ) XXXX XXXX Report : Provides search results from public records, including property and personal information. It is used by public assistance agencies to evaluate applications for government benefits. 

( 8 ) XXXX XXXX Report : Provides search results from public records. It is used to determine a consumer 's ability to pay an oustanding debt. 

( 9 ) XXXX XXXX XXXX XXXX Report : Provides search results from public records. It is used for underwriting life insurance. 

( 10 ) XXXX Report : Provides search results from public records. It is used by lenders to evaluate an applicant 's ability and willingess to repay a debt. 

I do have a XXXX Auto Report and it has a FRAUDULENT person named XXXX XXXX, XXXX XXXX XXXX, XXXX, NH with an insurance company PA XXXX XXXX XXXX XXXX date XX/XX/2019 for {$390.00}. This was reported to the XXXX, NH Police Department as FRAUD and identity theft by my son, XXXX XXXX XXXX, age XXXX and it is now appearing on my Lexis Nexis Report. This is criminal to continue to report previously disputed items and now appearing on my XXXX XXXX report. 

All of the above reports are NOT provided to me and instead, I am receiving a mish mash of data. Please be advised that I video-tapped the entire file obtained from this Lexis Nexis link to prove how bad this report file is. It is definitely not pulling from public databases as there is so much information that is missing and so much information that is wrong.
Consumer complaint received 2016-08-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AR)

I lost my job XX/XX/XXXX and being over XXXX and a XXXX veteran, I have n't found a job. When my unemployment ran out, I could n't make the {$1100.00} monthly mortgage payment to Wells Fargo ( WF ). I tried working with them to do a modification. I even did a three month trial of {$550.00} a month XX/XX/XXXX. The month I receive a tax refund I paid {$700.00} to show good faith. I have been through XXXX preservation specialists since no one at WF can read. In XX/XX/XXXX WF finally sent me a set of modification paperwork. The property description on the paperwork is wrong. I have the mortgage with WF on the house and XXXX acres. At the time the VA would n't loan on more than XXXX acres. The other XXXX acres have a lien on them by another bank. I have tried continuously to help WF correct the property description. The county assessors office does n't care about my having XXXX parcel descriptions. Since it is one contiguous piece of land that is what they tax. One day I sent XXXX copies to every fax number I could find for WF. I have tried to work with the executive office, XXXX . XXXX XXXX ( XXXX XXXX ). My previous payment was {$1100.00} monthly. Since I lost 80 % of my income I can no longer make a {$1000.00} payment. I have been sent several sets of modification paperwork in which the description is wrong and the interest rate keeps changing. My legal counsel advised not to sign paperwork with the wrong description. In XXXX XXXX XXXX XXXX and I telephonically discussed the fact that my modification has been in process for over 2 years. I explained to him that I have completely cooperated in trying to correct the description and that I should n't be punished for WF 's inability to do there job. He agreed and the loan should be based on the XXXX XXXX amounts. When I spoke to him two weeks later he said that I would have to pay the whole amount to bring the 'loan current '. I then switched to doing everything by email. My preservation specialists continues to call and wo n't answer my emails In the meantime while all of this has been going on my credit score has gone from the high XXXX 's to XXXX and lower. I have a 13 % car loan. I have been paying higher interest and had credit limits lowered or accounts closed out because of WF 's stupidity. On Thursday XXXX XXXX, XXXX they sent me modification papers with the whole amount ( {$150000.00} ) included with a first payment date of XXXX XXXX, XXXX. WF was starting me out 60 days behind and a payment equal to what I was paying when I was working. I could n't pay the original payment when I lost my job and I cant pay that amount now. I even suggested WF combine both mortgages then WF will have right and title to the whole XXXX acres and the money I am paying monthly for the second mortgage could go towards the payment. As a side fact, my house has been listed on XXXX and I have people coming it up wanting to 'view ' it. I am constantly being threatened with foreclosure. This has been going on for three years and I am on the edge.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (VA)

Credit card attached to Google Wallet : XXXX  XXXX XXXX XXXX Merchant : Google Wallet Virtual card : XXXX - XXXX Amount : {$1200.00} Date of refund : XX/XX/2016 A refund was issued by XXXX XXXX for amount of {$1200.00} through the XXXX XXXX  card associated with my Google wallet account. 
I have attempted to reach XXXX  XXXX XXXX, Google, XXXX and XXXX but unable to trace the money. 

XXXX have confirmed that the refund went through as they did not get a reject message. 

XXXX XXXX XXXX where I have a credit card have confirmed through printed statements that the money never reached my account. My credit card number had changed just before the refund but the bank assured me that my older card number was still linked to my account and any refunds will still reflect on my account. 

I also reached out to Google which is where XXXX posted the refund. They have been unable to locate the funds as well. My Google Wallet account at the time showed that it's linked to a virtual XXXX card which only Google has details on. They never confirmed if they checked with XXXX to see if the funds we actually received. I can provide email messages between me and Google if needed. 

I also contacted XXXX again and they recommended that I contact XXXX which I did. Unfortunately they were unable to provide any info on that virtual card as I do not own it. 

Therefore it appears to me that Google Wallet is the only missing link here and they are the ones who can be able to find out what actually happened in that transfer. I have attempted several times to reach Google but I always hit a brick wall. 

Please assist me in tracing this money. Let me know if you need more details.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Google Compare Credit Cards Inc. (IN)

On XX/XX/XXXX and XX/XX/XXXX, I had XXXX debit transactions for XXXX each. I inquired with XXXX via live chat that they billed me XXXX times for XXXX and didn't they find it suspicious. They told me somebody related to me had to have done it, and would not budge off that position no matter what I assured them of. The next day they emptied my account of my last {$20.00}, leaving me without the ability to purchase food. Being disabled myself with no income, this burden has fallen on my wife hurting our family any assistance is appreciated.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (PA)

I have a collection from XXXX that has repeatedly appeared on my credit report. The original company, XXXX XXXX XXXX, failed to take my name off of a cable bill when I moved from Ohio to Pennsylvania in XX/XX/XXXX. This item has been bounced between CBE Group & XXXX XXXX in the last 3 years. I have contacted each company repeatedly to say 1 ) it is not my debt and to ask XXXX why they did not do their job and 2 ) to stop contacting me. CBE Group now calls my work number repeatedly ( XXXX pm XXXX, XXXX pm XXXX, XXXX pm XXXX, XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( 3 times that day ). 

If CBE Group refuses to cease contacting me about this debt and does not remove it from my credit reports ( even though I have disputed multiple times ), I will have no choice but to take legal action due to them violating the Fair Debt Collection Practices Act ( FDCPA ). They need to contact XXXX ( or XXXX or XXXX or whatever they are called now ) and tell them that this debt is not collectible. I am not responsible for XXXX making a mistake and should not have my credit ruined due to poor record keeping.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (MD)

I am a business owner for XXXX XXXX XXXX with 6 employees, I am married to a US citizen and I have a legit employment authorization issued by USCIS and a SSN and waiting for my XXXX XXXX, I worked over $ XXXX last year. I recently added 2 trucks to my fleet and I needed 2 more trailers so I applied for loan from SHEFFIELD FINANCIAL with a credit score of XXXX to which I was denied for not having a XXXX XXXX even though I have authorized XXXX XXXX and I feel like this is discrimination because I qualify and I am even willing to put any collateral down but they did not accept.with this I want to know how best this can be solved.
Consumer complaint received 2019-06-05
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. (MO)

It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MI)

In late XX/XX/XXXX we received notice that we owed {$100.00} from XX/XX/XXXX that could be settled for about {$46.00}. I received another in XX/XX/XXXX which I returned with reasons of dispute. The bill did not include any detail such as total bill, amount approved by insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX ) or amount paid by the insurance company. 

I then received a statement from them showing a charge of {$400.00} with the dates of service from XX/XX/XXXX to XX/XX/XXXX ( my birth date ). Another page showed a current balance of {$100.00}. 

I then called them to complain and I was asked if I had any intention of paying it. I responded no. The reason being that I was not billed for nearly six years. Had I been billed timely, if the charge was valid, I would have paid with my FSA card in pre-tax dollars. Due to the length of time between date of service and billing plus cryptic billing statement there is no way to determine validity of the charge. 

I have never received a bill until nearly six years later and then the bill is lacking in the normal information required to run through XXXX  of MI. It appears to have never been processed properly until it was discovered years later and sold off or turned over to XXXX XXXX XXXX XXXX, XXXX. who has hired Phoenix Financial Services to pursue it.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-06-05
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. (NV)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.. Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2017-08-01
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 CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION TRANSUNION AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX