davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went into a dealership with my own financing and XXXX XXXX XXXX finances my vehicle. However my credit was ran like 30 times by the car salesman and I did not give written consent for each individually company to do that. XXXX  XXXX XXXX XXXX appears on my transunion report 17 times all days apart amongst other auto finance companies whom I did not give consent. These inquiries appear as follows ; XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-18
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)

Account should be reported as closed with a XXXX balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.
Consumer complaint received 2021-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Old Republic National Title Holding Co. (FL)

Good morning, I applied for a HELOC loan with XX/XX/XXXX. When I applied for the loan, XX/XX/XXXX asked me pay off two credit card balances XXXX XXXX and XXXX XXXX. 
The balance of the chase credit card was {$9000.00}. When I received the check from Old Republic Title, I went to the bank to pay off the balance, but they didnt received the check because the balance by the time was ( {$7700.00} I had paid days before {$1300.00} ). I called Old Republic Title and the representative asked me to void the check and she will send me another one for {$7700.00}. I received the check, went to bank and paid off the balance. 
The issue was, Old Republic Title didnt update this change to XXXX, they didnt update the amount of money paid was {$1300.00} lower and I am paying ( still ) the original amount of {$9000.00}. 
I made many complains to USBank including two complains to CFPB. Finally, I understood the mistake was not made by XXXX but Old Republic Title. 
I am requesting to refund {$1300.00} + Interest paid. 

Old Republic National Title. XXXX
Consumer complaint received 2023-01-26
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. (NC)

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

It was on XX/XX/2018 and the charge me {$130.00} from XXXX XXXX XXXX company free phone free tablet it is a old account plus I have a XXXX I didn't know what i was doing back then I dont work at the moment can you please take that off my credit please and thank u I have too much hard credit on file at the moment I sent you something about a little bit more on my credit report.. please help me out thank u.
Consumer complaint received 2023-01-26
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. (NJ)

I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CO)

I am coming out of forbearance and I am attempting to secure a loan modification. This company, Caliber Home Loans, has been an absolute nightmare to deal with, and I have already filed multiple complaints regarding their communication tactics, lack of accessibility for XXXX persons, and outright harassment. The subject of this complaint is their refusal of my first " trial payment '' for my loan modification. 
I received letter from Caliber that my loss mitigation loan modification had been approved. In order to secure the modification would need to make three trial mortgage payments, which would be due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was also an escrow overage payment, I included a separate check to pay that as a one time payment. I was pleased with the terms of the modification, and sent an email to Caliber to ask how to submit a payment online. XXXX XXXX, a " Single Point of Contact Specialist III '' at Caliber replied that I could not submit a payment online until the loan modification was complete. I thought this was strange, but mailed two checks dated for XX/XX/XXXX, the due date for the first payment ; one the first trial payment, and another for the escrow shortage. 
Today ( XX/XX/XXXX ), I received another letter from Caliber. It said that they were refusing payment because the checks were post dated. It also contained the two checks I had sent them. It also contained a boilerplate response to " call us if you have questions '', but no other information. Per my previous communications with Caliber, I can not and will not speak on the phone with them, so this just added another layer of frustration. I had also emailed them several times between mailing the check and receiving them back to see if there were any issues that needed to be addressed, and never received a response.

This lack of customer service from Caliber has yet again caused me another hardship. I am trying to deal with them in good faith, but Caliber and its employees are continuing to be unreasonable. I really do want to get this loan resolved and current, but I do not feel that Caliber Home Loans is willing to work with me and is just nitpicking to be difficult.
Consumer complaint received 2018-04-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (SC)

On XX/XX/2018 My VA guaranteed loan with a monthly payment of {$1600.00} was refinanced to {$1400.00} supposedly by interest rate reduction The field on the XXXX XXXX  application that is listed in the Lender case number box with ( XXXX XXXX XXXX ) VA XXXX XXXX XXXX Loan number XXXX listed XXXX as the refinance amount in the " Amount of existing liens box '' thus lowering payments by applying a lower interest rate from 4.375 to 3.2. I  did not realize it would cost me {$10000.00} more undefined dollars when ( XXXX XXXX  loan number XXXX listed by LIC #  XXXX, NMLS # XXXX ORIGINATOR XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Tel. XXXX FAX XXXX ) assumed the loan and issued undefined charges and then handed off to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX acct number XXXX When I asked, I was told nothing. The amount added to my balance when all was said and done within a practice called " CHURNING ''. I had a loan of {$280000.00} dollars and after it was refinanced it turned into {$290000.00} This loan was churned with intent to take advantage of a XXXX Veterans status with a defunct VA mortgage department that did not do its job when approving this loan.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Toyota Financial Services has reported to all three major credit bureaus regarding a car loan in my name. Despite numerous attempts to contact them, calling, faxing, and certified next day mail with signature confirmatino. They will not comply. I have no received any documentation proving that the account is mine with any wet or hard signature.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

HELP ME, I AM LOCKED OUT OF MY ACCT!! 
I have NOT been able to get online or on my phone ( XXXX ) XXXX for several weeks, It will NOT accept my ssn it says that it exists already? I have gone thru ALL of your screens 1000s of times. XXXX. My pin isXXXX my password used to be XXXX, and my user name was XXXX my latest password was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX We have NO need to communicate, just unlock my account I CAN NOT TALK ON THE PHONE. 
XXXX GIVE ME AN EMAIL TO SOMEONE IN CHARGE?!!
Consumer complaint received 2020-09-18
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. (MO)

The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX {$120.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 )  XXXX  XXXX unknown 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION : Attempt to place credit freeze on XXXX. 
. 
Transunion didn't tell me the difference in charges between credit lock ( {$19.00} recurring /month ) and credit freeze ( one time charge of {$5.00} as per Maryland State Law ).

Discovered this through their confirmation email. I then cancelled the service and phoned them. They began processing a fee refund but told me that the refund may not show up in my checking account for up to 30 days depending upon my financial institution. Hence either Transunion or my bank gets the use of my money for up to 30 days without paying me the interest they earn using my money & I don't have the use of my money during this period.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (WV)

XXXX XXXX has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: I.C. System, Inc. (CA)

In XXXX I started school for XXXX XXXX XXXX I received a XXXX XXXX for this tuition the Pell Grant specifically stated what the itemized issues with the money was going to be used for this included tuition materials student transportation also the student for food and rent and most definitely to pay the school after 3 months of being in school working on a laptop I never received one penny from this grant my understanding was they were going to buy me a laptop pin paper materials books rulers things that I needed to continue in school I never received anything I had to buy my own laptop with my own money after 3 months of this they sent me a bill in the mail saying I own {$600.00} for tuition I contacted the federal government and they stated that they were paying the grant was on its way I didn't have any more money to continue buying materials that I needed for class so I dropped up under the understanding is that the school did not provide what they said they were going to provide for me in order to continue being schooled that is my dispute so I'm not paying them back no matter what I didn't receive nothing and I still have to pay their money no the grant was for me not for them
Consumer complaint received 2021-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (LA)

I received an email in regards to money owed ( {$65.00} ) to XXXX XXXX. Basically it shows I had ( have ) an account with them. I never had an account with XXXX XXXX. So, the mailing is false and dubious. I have attached a copy of the email they sent me.
Consumer complaint received 2019-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC (OH)

XXXX XXXX has contacted my personal phone, and my employers phone 6 to 7 times a day each. it has been asked on numerous times not to call my employer because I can not receive personal phone calls at work. a gentleman on the phone that calls is using abusive language, arrogant and demanding information from both my employer and is discussing what the debt is
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

I contacted Midland Funding LLC in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX and account XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by Midland Funding LLC, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. We are already in court over account XXXX and my attorney is prepared to present this case. We are submiting this claim to help future concumers and to also show that we exahalted all revenues to remedy the matter at hand.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

XXXX keeps selling a debt that does not and has not belong to me. It has been removed several times from credit bureau. They keep putting it back on my credit report as a new account and I have to dispute all over again and fight it all over again this is the 4th time they have switched collectors and added it as a new account.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

We made an agreement for close this loans, I did made the payments of {$3800.00} in order to close this account, I have proofs of everything, you Guys close this account for like 1 month and now re opened back again, I do have the title of the car, and all agreements papers for this case, you guys flagged my account and all collections agencies whit no reason, and now is affecting me after I made all this payments, was very hard for me to get the amount of {$3800.00} to close this account in lest than s month, I have XXXX  kids, I have family and we passing through difficult economic times for you guys been playing whit my money like this, this is not serious, If i knew this probably i never payed that, please dont play whit the money of my kids and family because they not eating just because of this and now you doing this to us, this is not supposed to happened, I know credit accepted bank is more serious Thant this!
Consumer complaint received 2018-04-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I have tried to dispute this unverified account with XXXX XXXX XXXX. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
Consumer complaint received 2022-09-15
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. (NC)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CO)

XX/XX/2021 XXXX XXXX PST XX/XX/2021 XXXX XXXX  XXXX/XXXX  {$450.00} USD After sending the money it reads and i got deducted and then all of a suddenly my transaction is been cancelled and am been refunded back into my account. i contacted remitly agent on phone and they told me it was because I already had two different types of account in my name which was suspended so, That was why my transaction wasn't going through but i should rather contact the Consumer Financial Protection Bureau so that they can assist on my transaction. Well, i used remitly once, but didn't know what happened and my account got blocked and i tried creating a new account and that also got blocked and just recently i decided to create one and speak with their customer care representative on this problem but this transaction not going through is that you guys had to cancelled it so they asked me to contact you for an assistance first and so i need your help on this to make my transaction successful.
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. (GA)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.