davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-01-11
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. (IL)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 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 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-12-08
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: BARCLAYS BANK DELAWARE (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-01-11
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. (FL)

When I investigated my credit report, I realized that some of the items were erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 2021-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I was repairing my credit and i found a auto loan on my name in the sum of XXXX where there no repossession or payments make to this loan..i have sent letter to the company and never got a response and i also have dispute this debt for the last two years or so and they are refusing to remove it fron my credit and it causing me a lot of hardship with me trying to get my life in on track
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CO)

Inaccurate reporting to credit bureaus. 

LoanCare , LLC acting as subservicer for XXXX, XXXX misallocated two sequential, on time mortgage payments. Subsequent to " full resolution '' LoanCare initiated derogatory Late Payment reporting to consumer credit bureaus. 

XX/XX/20 and XX/XX/20 : ACH mortgage loan payments were initiated by my bank and accepted by LoanCare. 

XX/XX/20 : First Notice of delinquent payment via USPS, physically received, letter dated XX/XX/20. 

XX/XX/20 : Phone conversation with XXXX XXXX and LoanCare representative XXXX XXXX # XXXX XXXX. XXXX reports no record of payment reference above two payments. 

XX/XX/20 : Requested and received " Proof of Electronic Payment '' from initiating financial institution corroborating above referenced payments and dates ( each showing Remit Date one day prior ). 

XX/XX/20 : Phone conversations involving XXXX XXXX, XXXX representative XXXX XXXX XXXX and LoanCare LoanCare representative XXXX XXXX # XXXX XXXX. XXXX acknowledged payments were received by LoanCare and applied to incorrect, unrelated account. Late fee waived, matter seemingly resolved. Payment received date still inaccurately reported as XX/XX/20 XX/XX/20 : Notification from Credit monitoring service : " It looks like you have an account with a past-due balance of {$220000.00} with LOANCARE. '' XX/XX/20 : Phone call to LoanCare Customer service XXXX XXXX and XXXX XXXX to request credit error be corrected, advised to complete online form. 

XX/XX/20 : Credit Reporting Dispute submitted and receipt of same emailed to consumer XXXX ticket # XXXX XXXX. 

No correction to credit report or contact received from LoanCare to date.
Consumer complaint received 2020-12-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

1. Recently I tried to ascertain the payoff balance of my mortgage. I requested both the amount needed if I refinanced or just paid off the loan. ( the possibility of sale of property was not included nor needed ). And I requested a copy of what they say my mortgage says.

2. They contacted an appraiser who never came and stated that my mortgage payoff balance would include any growth in value just as if I were selling it. No where on my mortgage does it indicate that.

3. There have been several attempts by myself through the CFPB to resolve the issues with the principal balance and they have still not been resolved. 
- The company did a review and did show credits reversing many ( but not all ) of the illegal fees I had been assessed during the life of the mortgage. Those fees should go back to approximately XXXX when I paid extra to the principal and it was misapplied and showed me in arears. Also, I tried to work on a payment plan to catch up the payment they said was late and that extra money just disappeared. 
Where the company did show that it was reversing those charges, the actual credits did not show up anywhere on the account. They did not lower the principal balance nor do they show up crediting any other portion of the account.

-There are 4 mentions of Share Waive Adjustments. At the time those started showing the principal balance was listed as XXXX. 
The only one to actual credit to the account was the XXXX. 
There is another listing of XXXX right after that but does nothing to the balance. 
There are three ( 3 ) more listed on XX/XX/XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX that show they are supposed to be credited to the account principal but are not. 
The information provided to me for tax purposes and on the mortgage are twice the amount of XXXX. 
4. When they have made corrections to the account they do not go back and readjust the principal and interest calculations. They are still charging me interest on a higher amount than I owe.
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The below accounts are not mine I have requested multiple times for signature copy of the accounts with my signature as proving its mine and the companies have not provided anything. 

Account NameCAPITAL ONE Account XXXX Account TypeCredit card  Date Opened12/18/2018 StatusPaid in settlement. {$450.00} written off. 


XXXX  Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XXXXXX/XX/XXXX Date Opened Closed. {$490.00} written off. 

XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility  XX/XX/XXXX Date Opened Closed. {$490.00} written off. 

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Paid, was a repossession
Consumer complaint received 2018-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

I bank with Wells Fargo and I did a Wells Fargo XXXX transfer on XX/XX/2018. The person I sent the funds to was suppose to do a job for me and never completed it. I asked Wells Fargo to do a claim for the money back. However, they tell me with the terms and conditions they I signed off on it states they are only responsible for the transfer. I would have to press criminal charges against the person to get my money back. Now when I question the presidents office : I asked : You were aware that you were putting your consumers in danger by possibly aiding a theft? He told me he was aware that they were putting there consumers in danger. I still dont have my XXXX back, I feel they are making up excuses as usual. I spoke to XXXX as well and they told me multiple times the bank is responsible for me getting my money back but as usual Wells Fargo takes no responsibility
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Re Case # XXXX After speaking with a representative from the CFPB about the response I received from XXXX XXXX XXXX not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. XXXX & XXXX states that they are handling the account for BOA, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from BOA. I did receive a letter from XXXX & XXXX stating that they are basically working on behalf of BOA, but did BOA sell it or have another company handle it, then take it from them and gave it to XXXX & XXXX to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from XXXX & XXXX of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that Bank of America, which you state you are representing, would not agree upon while yet giving XXXX & XXXX the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with XXXX XXXX XXXX. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, XXXX & XXXX is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that XXXX & XXXX stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 I notified Citibank that two checks that were written from my account was not cashed by the intended party. I have presented the issue to the lender citing the checks that were presented to be cashed were not endorsed as is done on all other checks. I have offered my sworn affidavit indicating the intended party never received or cashed the checks as evidenced. the banking institution refuses to credit my account with the money requested. It has been one year and three months and I am still waiting for my money to be credited and or reimbursed by Citibank, accordingly. I have been with this bank for seventeen plus years, without incident and they will not review this internal fraud and ultimately refund my money. I have attached proof for reference. the checks in question are as follows check number XXXX in the amount of {$160.00} and check number XXXX in the amount of {$600.00}. My complaints and calls are not being addressed and handled accordingly.
Consumer complaint received 2023-01-11
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KS)

I have been harassed by XXXX XXXX XXXX while at my job. They have called my place of work serval times although I have given them my cell number and requested that since it is a personal matter to contact me personally. They have called spoken with my manager asking them personal questions regarding me being able to make payments. I feel this is out of line and borders on unethical. Besides calling my workplace they called distant relative whom I really keep contact with. When asked how did they come about this information and phone numbers their response always is " We have our ways '' like some type criminal syndicate.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I received a call at XXXX am XX/XX/XXXX and XXXX am on XX/XX/XXXX. Ive blocked many of this companies numbers but they wont stop. Ive asked them to stop, now they call outside of the law
Consumer complaint received 2018-07-19
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. (VA)

I submitted a dispute for a {$120.00} medical collection that was paid by insurance in 2015. I provided proof of payment that I received from the creditor. The creditor informed me that they do not know why this is showing on my credit report as it was paid by insurance in 2015 and consider the matter closed. Equifax verified that the item was correct somehow. They could not have given that the creditor provided me proof and says that it is not something i owe. Equifax did NOT properly investigate this item, they did NOT contact the collection agency or creditor as required by law.
Consumer complaint received 2018-07-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Yes I bought a 2018 XXXX XXXX XXXX weeks ago and decided to pay it off. I sent them a certified bank check for XXXX XXXX plus still have not applied my payment or reported it to credit bureaus or sent me my title. Didnt even apply my payment to my loan.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently disputed with Transunion the XXXX XXXX XXXX XXXX entry that was reflected on my credit report ( see attached credit report ) and their response was that the entry was verified. To that end, I disputed immediately with XXXX XXXX XXXX XXXX. The response from XXXX XXXX XXXX XXXX, that is the reporting agency for this account answered my dispute by indeed stating that they were informing all credit bureaus to delete the account from their records and that they were also closing the account with their agency and ceasing all collection activity. This account entry should be deleted immediately from my Transunion credit report. 

Upon deletion, Transunion needs to provide a full, current, copy of my credit report that reflects the deletion of this entry.
Consumer complaint received 2023-01-11
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. (GA)

Despite multiple written requests, the unverified accounts 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 XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX