davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
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)

Transunion is reporting  XXXX  personal public tax liens fro m  XX/XX/XXXX  and  XX/XX/XXXX .    reference numbers  XXXX  and  XXXX  These tax liens were paid and these leans were paid and satisfied for several years.   I recently contacte d   XXXX   XXXX   XXXX    tax Examining Technician with the compliance Administration collections Division of the   XXXX   XXXX   XXXX   office of tax and revenue, Office of the  Cheif financial  Officer    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   Phone  XXXX  fax  XXXX   XXXX   XXXX  email-  XXXX .  XXXX  XXXX  XXXX  Who issues me certified documents  XXXX  release of the   XXXX   XXXX   XXXX   tax lien, recorder of deeds which states paid and satisfied and a certificate of release of federal tax liens for me to issue to the credit bureaus to REMOVE the liens from my public record.  XXXX  and  XXXX  have both complied.  Transition has  not. They said they specifically need a form which states " withdrawal '' even with proof of written correspondence with    XXXX   XXXX   w hich states specifically '' when a person pays off a loan in full, the lien is removed. the assets is no longer pledged to the creditor when the balance is completely paid. The Lien is removed from the credit reports - thanks again    XXXX   XXXX   XXXX   .   Transunion refuses to comply. I have provided them all this information by certified mail. opened the investigation 45 days ago. They have failed to remove it and reopened another investigation for the same issue. I explained to them t he    XXXX   XXXX   XXXX    does not  provide withdrawal forms to withdraw. The form they provide is a  XXXX  form. I clarified this information with  XXXX   XXXX  as to the language being sufficient of the credit companies to remove they confirmed. I provided transunion with this into. This is cause me detrimental harm to my business ventures, capital and ability to ascertain credit along with affecting my good will.   Please help bring this to a resolution as soon as possible.    XXXX   XXXX
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and   XXXX    report that I did not authorize and had no knowledge of. I contacted Transunion and  XXXX  immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.     Transunion   : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX  7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   1.  XXXX   XXXX   XXXX   XXXX   2.  XXXX   XXXX   XXXX   XXXX  ,  XXXX  3. XXXX   XXXX   XXXX   XXXX   XXXX  4.  XXXX    XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  8.  XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-27
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    XXXX    XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
Consumer complaint received 2017-04-26
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. (GA)

A Geo rgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is showing  on my credit rep ort. Tax Lien is   showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have sent several letters to Equifax asking for the information to be corrected on my report. After several attempts and Equifax claiming the item has been verified as reporting correctly, I sent certified letters asking the item be removed for incorrect information being reported that is damaging to my financial reputation. The car was picked up by the dealer on  XXXX / XXXX /  XXXX   and account in question has been closed since  XXXX / XXXX /  XXXX  . The creditor continues to report an open account that is not being paid. The dealer took the collateral in exchange to clear the debt. This account is settled in full.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Love, Beal & Nixon, P.C. (OK)

This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )
Consumer complaint received 2017-04-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (MI)

Counterfeit Docu ments filed,  XXXX , i n Register r of De eds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX , Page  XXXX  Filed Documents do not contain the lawful signature of   XXXX   XXXX    XXXX  Notice of this filed Register of Deeds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX  , Page  XXXX  Mortgage was lawfully rescinded  XXXX   XXXX ,  XXXX .  TILA ( Tr uth in Lending A ct, 15 USC 1601 et seq ; 12 CFR Part 226 )  Proper Notice of Rescission filed in Register of Deeds Office,  XXXX   XXXX   XXXX  Michigan.  XXXX    XXXX  Page XXXX  Assignment of Rescinded Mortgage created by  XXXX   XXXX ,  XXXX   XXXX  filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX  Page  XXXX   OCWEN LOAN SERVICING, LLC,. then filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX , Page  XXXX  OCWEN LOAN SERVICING, LLC now attempting to establish a ESCROW Account Statement dated  XX/XX/2017  against  XXXX   XXXX   XXXX  for a lawfully rescinded mortgage
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NC)

I disputed the collection being reported by SW Credit Systems because I have no contract with the company. They responded to the credit bureaus that I did have a contract because XXXX contracted them, however, I had no contract with XXXX either. I have no contractual agreement with EITHER company that would permit SW Credit Systems to report an account as a collection on my credit report.
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On Friday,  XXXX  of  XXXX , I received a debt collection letter from   XXXX   dated  XXXX   XXXX ,   XXXX   for a  XXXX   XXXX .     I called on Tuesday,  XXXX   XXXX ,    2017 to  inquire about the collection of {$100.00}. Since my husband and son are both  XXXX   XXXX   I  wanted to know which person it was concerning and to make sure it was not a scam and to also check with my insurance company on why the payment was not paid by them. The debt representative said they could not give me any details concerning the bill because of the law forbidding access to medical records without permission. She did say that the age on record must be my son and not my husband.     I was told that my son who is 21 years of age and in college in  XXXX , CA would have to call them to give them authority to speak with me, his mother, living in Texas.     I immediately texted my son to contact them that day but having a busy class schedule and just a week from exam finals he was unable to call them on  XXXX ,  XXXX ,    2017.      I called   XXXX   at  XXXX  on  XXXX   XXXX ,    2017 b ut they did not have on file a call from my son giving authority so I still could not find out any details concerning the debt.     I reached out to my son again on  XXXX   XXXX ,    2017 and  reminded him to call them and give me the authority to investigate the debt.     Before my son had a chance to call he was contacted by  XXXX  on  XXXX   XXXX ,  2017 an d was asked if he was  XXXX   XXXX  which he replied yes. He was told that he had to pay the debt balance immediately. They asked if he had a credit card and demanded the credit card number immediately. He gave them the credit card info.     My son is only  XXXX  and has not had the experience of dealing with intimidating debt collectors and he was caught off guard as to their ruthless tactics.     Since my son is in school he does not have a job and he is covered on our insurance. For  XXXX  to require payment from him was wrong.     The  XXXX  letter dated  XXXX   XXXX ,   XXXX   said we had 30 days after receiving the notice which was  XXXX   XXXX ,  2017 to  notify the office. I contacted them twice within four business days of receiving the letter and they demanded payment on  the four business  day of recieving the letter.     What happened to the 30 days? They clearly did not give me adequate time to investigate the debt, check with my insurance or perhaps dispute the debt.     We were given no options in those four days! This is not right!       XXXX    XXXX .  XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Payments : P.O.  XXXX   XXXX   XXXX  Oh  XXXX   XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

T o whom it may con cerns, I recently disputed this debit and I received copy of the bill which included my medical record. I have never authorized  XXXX   XXXX   XXXX  to provide my medical record to a third party. The document provided by the debt collection agenc y ( Medical Revenue Service ) is cle ar violation of t he HIPAA l aw.  XXXX   XXXX   XXXX  has provided my lab report which clearly stated the details regarding my lab. These are medical information that should have stayed between my doctor, myself and the hospital. I was traumatized during that period and my medical data and information should stayed with the doctor. I was never given the chance to review this bill because I have never received it and I certainly did not authorize  XXXX   XXXX   XXXX  to provide my financial and medical record to a third party. I do not know who Medical Revenue Service is and I absolutely do not owe them a single penny.   I am allowed under th  e Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the attac  hed account to be deleted immediately from all three credit bureau agencies.      XXXX   XXXX
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Ally Bank Auto,  is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
Consumer complaint received 2017-04-27
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. (CA)

I have sent a  Mutilpe Inquiry let ter on  XXXX    XXXX   ,2017  and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a le tter four days lat er that meant they did not investigate whether or not the inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Within the last 2 to 3 weeks ( XXXX XXXX or so ) I have been receiving calls on my home phone and cell phone from a person who says he is with " OneMain '' and it is " an attempt to collect a debt '', and that I should call back according to times in the Pacific Time Zone. XXXX of the numbers he called from are : XXXX and XXXX. I have no idea what debt this outfit is talking about ... ..I have no outstanding debts with this company or any other. I am reguarding these calls as deceiving promotional calls and am blocking them. I have received no correspondence from this company nor any other about any outstanding debt. These calls are completely falascious and must be stoped!
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhojo Enterprises, LLC (GA)

I opened a complaint against this company yesterday. It was closed after they sent documentation. The documents they sent dont bear my address I had while stationed there nor is that my signature. I lived in  XXXX  from  XXXX  to   XXXX  . Prior to leaving overseas, a checklist has to be completed showing all local debts paid in order for orders to be given to leave the location. I lost my wallet twice while in  XXXX , I also stayed in base barracks, Im not sure where this address is that is shown on the bill but it is not mine. It is obvious I have been a victim of identity theft. all my debts were paid prior to leaving, it is a requirement. This is not how veterans should be treated and I ask that you do due diligence in verifying these documents. They are not mine, here it is six years later and Im having to deal with this.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****8356. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2019 and XX/XX/2019 my credit card was charged my someone else committing fraud. The total amount charged was {$1200.00}. I received a message alert when these purchases were being made and I replied that it wasnt me. After an initial investigation, JC penny said that I am responsible for these fraudulent charges. I have a JC penny credit card.
Consumer complaint received 2019-10-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

I was looking for a loan.I pulled my credit report and under loans that I pre qualify for is One Main Financial.I filled out info online and was approved.They called me and said I have to come in there office at XXXX XXXX XXXX, XXXX mi.,XXXX and to bring documents including Car title.After the loan officer ( XXXX XXXX ) took my info she said this loan is a unsecure loan but need a copy of title.ShXXXX took my title and never gave it back and told me that they will mail your title back to you.After signing, XXXX said this ia car loan.They lied to me.I never received my title to this day.The day I signed documents was a very hot day and the loan office air conditioning brokXXXX down and was rushed to get loan done.Just recently, I had someone look at this loan and was told, this loan is a very bad loan and its secured.This whole time I thought this loan was unsecured.And because this is a bad secured loan, My auto insurance rate has gone up.Therefore, this loan is very bad and should have read everything in detail and should of declined offer.Therefore, they lied to me to sell the loan.
Consumer complaint received 2017-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On  XXXX   XXXX ,   2017   I had transferred {$5100.00} from my checking into my Diamond Preferred  Citibank MasterCard   XXXX  without knowing that there was a limit to my spending on it, so I was n't able to make the purchase I wanted at the end of the day. So I had called and requested for the amount to be transferred back into my checking account on the same day. After a couple business days I called again to check, and they put an investigation on it. After another couple business days I called for the 3rd time, and was greeted by a rude telephone operator from Maryland that had been condescending  and unhelpful to say the least. So I went to a Citibank branch and had a helpful teller help call and contact a manager on the other end, who had given a 4-5 business day duration for the funds to be back in my checking account. As of today, it still has yet to transferred! Is n't it illegal to retain funds for more than 24 hours? What more this?
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Individual : Bankruptcy ( Discharged CH-XXXX ) ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported. I made efforts to remove this account from my file as it does not belong to me. This account was fraudulently opened and reporting through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-10-02
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. (CA)

XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2017-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I submitted letters to Equifax,  XXXX , and   XXXX   regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.