davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have enclosed proof from XXXX XXXX and also XXXX XXXX court these are not my Bankruptcies!!! Transunion is in direct violation of code 15 USC 1681, 1682!! This is not my bankruptcy!!! 
XXXX XXXX Its an error of mistaken identity and it should be immediately deleted!! XXXX XXXX XXXX stated they have not verified anything with Transunion therefore, this is an error or a lie!! XXXX has verified I dont have any bankruptcies they are in direct violation and Im also entitled to compensation for the fact that they lied and compromised my integrity my character and caused me to be denied due to the error on my report!!! Delete this immediately or I will contact my attorney!!! Supporting documentation enclosed! 
Transunion XXXX  Screening should also compensate me!!!!
Consumer complaint received 2017-07-09
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. (OH)

There are XXXX liens on my XXXX credit report that do not belong to me. I have asked for verification from XXXX and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
Consumer complaint received 2017-07-09
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. (NY)

Hi I have tried to get Trans Union to remove inquiries from my account that were reinserted do to their consumer breach means they violated sec. 611 fcra act. INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-09
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: EQUIFAX, INC. (OH)

There are XXXX liens on my Equifax credit report that do not belong to me. I have asked for verification from Equifax and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
Consumer complaint received 2017-07-09
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 — Problem with personal statement of dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

XXXX agreed to remove me from their database and not to wait 5 years, if my banks Santander, N.A. and XXXX XXXX intervene and tell them to remove me, since I payed the balance of {$330.00} to XXXX XXXX and {$850.00} to Santander, N.A. However, nobody took steps into correcting this and removing me from the database so I can get my life back.
Consumer complaint received 2017-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I disputed this Jefferson capital system account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
<P/>
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
<P/>
Jefferson capital failed to validate this account. This account need to be removed immediately. Jefferson capital system is violating the laws.
Consumer complaint received 2017-07-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TX)

I had recently submitted a complaint in regards Ad Astra Recovery Services for an collections account of {$400.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

On  XXXX / XXXX / 2017 ,  CHASE CARD i nquired into my various credit files without my authorization or knowledge. They subsequently contacted me and advised me that a fraudulent application had been submitted in my name, they caught it in time, and were deleting their various inquiries " promptly. '' It is now  XXXX  and the fraudulent inquiries remain despite numerous calls to them and assurances in turn that this would be done. Help!
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you
Consumer complaint received 2017-07-09
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. (GA)

XXXX, Experian and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and Transunion continue to report these inaccurate items on my credit report. XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect. <P/>XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect. <P/>XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong. <P/>XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong. <P/>I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

This was to be a loan forgiveness. I graduated in late XXXX. I was to pay for 10 years and the loan was to be forgiven if I worked in the public service field. I was told my profession qualified ( NC XXXX ) and was told by the representative at the time how to fill out the paperwork. I am right at 9 years in paying, auto draft each month, so I have never been late on a payment. When I called to check on when It would be paid in full, I was told I had NOT made any qualifying payments. I was told by the representative how to fill it out so it was done correctly. I was told Mohler, the company who bought out the original student loan that my option was to increase my payment or refinance for 10 more years at almost XXXX higher a month. I now pay XXXX and some change a month. I was told I qualified and the payment set up by them and now they say It was n't qualifying payments and I have to pay another 10 years.
Consumer complaint received 2017-07-09
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. (OH)

The burden of proof is on XXXX, Transunion, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to XXXX, Transunion, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. XXXX, Transunion, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to XXXX, Transunion, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against XXXX, Transunion and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (TN)

This is a new Complaint on U S Bank Mortgage. I never received XXXX-mortgage interest statements from U S Bank mortgage from XX/XX/XXXX - XX/XX/XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to U S Bank from my checking account with XXXX XXXX XXXX I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
US Bank never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. U S Bank Mortgage did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for US Bank mortgage paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. U S Bank mortgage have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is XXXX.
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I am the parent who took out this  XXXX   XXXX   ( Navient ) p rivate loan for my daughter. They listed student without income as co-signor. They have been promising to remove her and have not done it. Now they want to run a credit check on me to see if I qualify to have her removed. This is ridiculous and unfair to me as the consumer. Please add this to your list of complaints and make part of the current lawsuit. On  XXXX / XXXX /   17  I will submitted the cosignor removal form and proof of my income. A total invasion of my privacy when the student should HAVE NEVER been listed as a co-signor.   XXXX  This bad practice almost cost my daughter the ability to purchase a home.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

- I Got a TransUnion Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent TransUnion a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - TransUnion received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from TransUnion to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to TransUnion with a copy my Debt Validation/Dispute letter to XXXX XXXX XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the XXXX XXXX receipt of the Debt Validation/Dispute. 

- TransUnion received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the XXXX XXXX XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 TransUnion is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It XXXX Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my TransUnion credit report immediately.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC (GA)

On X/XX/17 I entered but dispute for a transaction that was made in Michigan unauthorized by me I have called 83 times and spoken to 17 supervisors and they tell me it will be resolved in 24-48 business hours but I never hear back! This is not the first time this has happened and I currently have three open to disputes of which two were shown favorable by mail and I have yet to be credited to my account. One letter indicates that I received a credit on XX/XX/XXXX but I never dead and the only reason I have not closed my account is because my XXXX check goes on to the card. Last year our money was lost for a long period of time so I 'm phones never returned but this year I ca n't take any losses I have been a customer for over 10 years in the last three years I believe that the company has been running up at the goalie not resolving disputes and not crediting phones they send us all a circle of phone calls with foreign agents and you can never get your money back or get anything resolved. I 'm afraid and needs those funds.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

my name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. AND THEY HAVE ONLY GIVEN MY AGREEMENT PAPERWORK WITH NOTHING BEARING MY SIGNATURE, THEY HAVE FILED A SUIT AGAINST ME WHEN I HAVE CLAIMED OVER AND OVER SEND ME THE AGREEMENT WITH MY SIGNATURE AND THERE WAS NOTHING SEND TO ME. IN ADDITION THEY HAVE VIOLATED FDCP S 807 FALSE AND MISLEADING INFORMATION DEFAMATION, IDENTITY FRAUD AND VIOLATION OF FAIR CREDIT REPORTING ACT. MY ACCOUNT WAS NOT EVEN MARKED AS DISPUTED UNTIL RECENTLY WHICH THE LAW SAYS IT HAS TO BE WITH IN 30 DAYS OF THE FIRST FORMAL DISPUTE LETTER RECEIVED WHICH WAS XXXX 2016. PLS HELP ME CLEAR MY NAME SINCE I NEVER APPLIED FOR THIS CARD OR EVER HAD AN AMERICAN EXPRESS. I DO HAVE RECORDS OF ALL CREDIT REPORTS AND CONFIRMATION SINCE ALL LETTERS SENT TO THE LAW FIRM AND AMERICAN EXPRESS WAS SIGNED FOR AND RECEIVED.
Consumer complaint received 2017-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IL)

XX/XX/XXXX   REFI home   XXXX   XXXX   XXXX   XXXX  interest only and  XXXX   Harris bank HELOC 10yr w/balloon. Market crash  of  XX/XX/XXXX ,  XX/XX/XXXX  went under,  XXXX  now has first , Harris became BMO Harris. Tried to REFI could n't, too far under, nearly every 2 yrs same answer different banks. Balloon payment due on HELOC, jumped through several hoops for BMO. Now they are done trying and want to  short sale. House appraisal still about  XXXX  under loan values. Called  XXXX  to inform them about Short Sale and see if they would consid er REFI 1st, s aid they could n't, just a collection agency. So I have a gripe with both BMO and  XXXX . I just checked  XXXX   XXXX  and my credit scores were  XXXX  and  XXXX , I 'm also a veteran but that did n't matter to anyone.