davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.
Consumer complaint received 2017-08-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BlueChip Financial (TX)

I was contacted on XX/XX/XXXX and again on XX/XX/XXXX by someone claiming to have an arrest warrant from the XXXX County Processing Department. They also asked to speak to my supervisor to make them aware of the arrest warrant. I wrote down their name and number and offered to call them back. When I called back, another person working at the XXXX XXXX XXXX advised that Spotloan had sent me an arbitration request that I ignored. They then claimed to have a court order for garnishment. I have not been notified of an arbitration request or a court order. I did offer to repay Spotloan the XXXX that was owed, but I will not deal with threats or extortion.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (ID)

I have on several occasions over the last few weeks to get this resolved. 

The issue lies with Shellpoint and XXXX XXXX XXXX. Somehow during the process of XXXX XXXX selling the loan to Shellpoint a entry was made that we were 60 days late on a payment. I have verified with XXXX XXXX bank as well as Shellpoint that we have NEVER missed a payment and was NEVER late on a payment. It is clear on my credit report that Shell Point is carrying the error and I would like this corrected and rectified  ASAP! I have documentation to prove this I Have documents to include 3 statements from Shellpoint ( I was only with Shell Point for 3 months before you sold our loan ) All three statements show payment made on-time. In fact I was doing Bi-Weekly Auto withdrawal Payments approved by Shellpoint adding an additional payment during our time with Shellpoint. 

Currently I am in the process of refinancing my home and moving to a local bank and this error is prohibiting me from moving forward with this process. Clearly based on statements provided and back-up there is NO reason for this and NO reason I should have to go to these lengths to fix a error on your side.
Consumer complaint received 2021-12-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items NEEDS TO BE REMOVED ASAP AND SEND ME THE MAIL WITHIN 4 BUSINESS DAYS REFLECTING THE REMOVED ITEMS
Consumer complaint received 2018-04-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA (SC)

Several years ago, i was misinformed of my deferment period to repay my student loans. I later returned to score, and resume course work. I had my previously loans consolidated. Upon checking my credit report, i noticed several late marks that drastically damaged my credit score. I attempted to contact the company who reported this listing via fax, mail, and over the phone. I wrong goodwill letters explaining the situation, and contacted a rep via phone whom just kept transferring me and ultimately saying i needed to dispute this through the credit bureaus which i've also done. My records on file show that these accounts are all paid in full, {$0.00} balance but have several missed and late payments that i would like to be removed, especially due to the status of those accounts at the time. Please see that this request is honored and investigated.
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (FL)

The reason for my dispute is because of several unrecognized fraudulent 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. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX  10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity and my Proof of Address.
Consumer complaint received 2020-08-19
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. (IN)

Equifax refuses to correct their own error ( one which they confirmed corrected, via their own letter sent to me in XXXX ). Earlier this year, I sent them a letter and filed a complaint with CFPB and in both instances they required me to provide them with my social security number, address documents and a host of stuff that I do not trust them to hold in confidence. It is worth noting this company has a track record of security breaches. Why should I give them my personal information just so they can correct their own error ( I never gave them the erroneous information with the incorrect address -- -they willingly accepted that information without confirming same with me ). Adding insult to injury, when I reported their error to them in XXXX they sent me a letter noting they removed the incorrect address. I pointed all this out to them in correspondence dated XX/XX/XXXX and XX/XX/XXXX, yet they refuse to confirm they corrected their error. More infuriating is that I called Equifax on XX/XX/XXXX ( in response to the CFPB response, wherein Equifax claimed they needed a wealth of documentation from me to correct their error ) and was told by a phone rep ( by the way their phone system is a nightmare to navigate -- it took me 20 minutes or longer just to get to a live person ) that he changed the incorrect address and that a letter would be sent to me confirming the correction. It has been almost a month and Equifax has failed to respond to me. I have the confirmation number the Equifax rep gave me -- -- -but like almost everything else with this company it is likely an empty response. I'm at a loss as to how to deal with these credit bureaus.They are allowed to collect incorrect information, are not required to verify with the innocent consumer, they make money off their errors and hold innocent consumers hostage to  their witless whims.
Consumer complaint received 2024-02-14
Product: Credit reporting 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. (UT)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX - XXXX
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Westlake Services, LLC (MI)

On XX/XX/, I sent a money order in the amount of {$230.00} ( for my car payment due on XX/XX/XXXX, ) to WESTLAKE FINANCIAL. They inform me they did not receive payment. 

I had the money order traced by XXXXThey inform me the money order was cashed by WESTLAKE Financial & they sent me copies showing proof.

I did contact the company by emails & phone calls with the findings, but the representatives responses were, We do not see the money order.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

as i have requested in the past, send a copy of all responses through USPS you have failed to send a response to COMPLAINT XXXX SUBMITTED ON XX/XX/2020 this XX/XX/XXXX
Consumer complaint received 2020-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (LA)

I applied in person for a payday loan advance in XX/XX/XXXX. I made some payments but due to financial difficulties I filed for bankruptcy in XX/XX/XXXX and included Speedycash as a debtor under my bankruptcy. This shouldn't be on my credit report at all according to the bankruptcy court.
Consumer complaint received 2020-09-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

In XX/XX/2019, I applied for and was approved for a secured Citibank Card, for which I paid a {$500.00} deposit. I never recieved the card - and since then, I have contacted the company six different times, trying to have duplicate cards sent, new accounts set up and accounts sent, and provided two different addresses. Each time I contact the company, I have spent over an HOUR on hold, only to be told " we'll fix it '' but I have yet to recieve a single communication ( or actual card ) from the company, despite 6 telephone calls, two addresses, and hours of frustration and communication. When I told the last customer service representative that I wanted my deposit returned, she told me " that's impossible '' and hung up on me. It has been four months since I opened the account and paid the deposit, but I have yet to recieve the card. I simply want the services which were promised to me. Citi 's staff is woefully undereducated as to their own processes, provide blantantly false information, and consistently fail to provide the results that they purport they are offering.
Consumer complaint received 2021-08-09
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. (MA)

I am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at
Consumer complaint received 2019-10-24
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the DPEDXXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020, ,Went To The Bank About XXXX, ,I Know The Bank Was Closed, ,Due To Holiday, ,Anyway Went To Atm, ,To Get Cash, ,It Declined My Card Twice, ,Put In Access Code Twice, ,Card Still Declined, ,I Do Have Overdraft Protection On Card, ,I Do Have A Negative Balance Of {$100.00},,? If I Have Overdraft Protection On Card, ,Why Did My Card Declined Twice?? This Matter Needs To Be Addressed Or Fixed? This Is S UnAcceptable!!! This Matter Has Happened Too Many, ,What Is The Bank Doing About This Matter?? ( Wells Fargo Bank
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Due to divorce situation, i couldn't able to afford making the payments only myself, so I have been tried to sell the home on the market in order to avoid foreclosure, and I would like need help from the lender to stop the foreclosure, to get more time to sell the house asap. 
Thank you so much for your consideration. 

XXXX XXXX.
Consumer complaint received 2020-06-28
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. (VA)

The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by XXXX, Experian, and XXXX  and they have not removed it from my credit report.
Consumer complaint received 2017-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC. (CA)

Oracle Financial Group   XXXX   XXXX   XXXX    XXXX  NY   XXXX   Toll Free :   XXXX   www.oraclegroupllc.com   XXXX   XXXX  , 2017   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , CA   XXXX   Original Creditor :   XXXX   XXXX   XXXX   Balance : {$4000.00} Reference :  XXXX  Account ID :   XXXX    Dear   XXXX   XXXX  , Thank you for your request. Please be advised that we have been hired to collect the above referenced account. Your account is severely past due and must be paid. If the balance is left unpaid your account may be referred to an attorney for suit. The outstanding balance on the above referenced account is {$4000.00} AND WE CAN ACCEPT {$2300.00} TO SETTLE THIS ACCOUNT IN FULL. You can resolve this matter by calling us and paying by phone or sending your check or money order along with the bottom portion of this letter. In the event that your payment declines or is returned for any reason a fee will be charged. Upon receipt and clearance of the payment in full, there will be no further outstanding obligation pertaining to this account. We take pride in assisting our customers to resolve their situations. If you have any questions or wish to discuss your account with one of our representatives, please call our toll free number at   XXXX   during normal business hours. Monday - Thursday   XXXX   XXXX   -   XXXX   XXXX   EST ; Friday   XXXX   XXXX   -   XXXX   XXXX   EST ; and Saturday   XXXX   XXXX   -   XXXX   XXXX   EST. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Respectfully,   XXXX   XXXX   Collection Manager
Consumer complaint received 2021-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

On XX/XX/XXXX I sent an Affidavit of Truth, Exhibit A, Exhibit B, Cease and Desist, Debt Validation letter, Information request, Invoice, Signed by Notary to Continental Service Group Inc. I notified them about their Violations under 15 USC 1692 B ( 5 ), 15 USC 1692 B ( 2 ). Under 15 USC 1692 C ( c ) I am refusing to pay alleged debt. Under 15 USC 1692 C ( c ) 2 I am invoking my specified remedy as a consumer and original creditor. Under 15 USC 1692 g Fair Debt Collection Practices Act I am Disputing alleged debt and Validation is Requested.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ON OR ABOUT XX/XX/XXXX I AUTHORIZED XXXX  TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX  XXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED XXXX XXXX, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY XXXX ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX XXXX  DID IT AGAIN BY COMMITTING FRAUD XXXX  WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX XXXX DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE XXXX REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

XXXX DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR XXXX XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!
Consumer complaint received 2023-01-30
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)

I sent these companies to investigate these inaccuracies on my consumer report via certified mail. They have continued to ignore this matter, your company has not fixed issue. It is still reporting inaccuracies on my consumer report. These companies are direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company as requested in my letter. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  XXXX I have attached copies of my consumer report showcasing the innacuries and as proof on my defense that I have disputed these accounts with these companies. 

Sincerely, XXXX XXXX XXXX