davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account removed from my credit file : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$300.00}.
Consumer complaint received 2020-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (AZ)

State Farm Bank is reporting a late payment on my credit. The problem is when paymets are made or due they can be seen online. The amount due and dates are not displayed and online statements are not available. I was told " that because my loan was considered a modified loan it is not treated the same as other loans and that access is not like their other loan. My compliant is that my credit shouldn't be impacted because of the problems and access in their internal systems.
Consumer complaint received 2023-02-22
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2019-04-01
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. (MN)

Called Equifax on XX/XX/XXXX. I noticed three Fraudulent Inquiries on my Credit Report. 
They refused to help me at all. 

1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXXXXXX 3. XXXX XXXX on XX/XX/XXXX Please have these three inquiries removed immediately!
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America decided to close my account on XX/XX/2019. 
I had funds in the account of {$6600.00}. 
I contacted them and they said they sent a cashier check to my old address.I did not receive any check to old or new address. 
till now I did not receive any funds and I there is no way I could contact them as the account is closed
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I originally applied for a conventional Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX. All loan application items were submitted within a week of application. I am still struggling with communication back and forth from the Credit union. Just recently I learned the loan origination date was changed to XX/XX/XXXX, I personally feel this may have been done in order to avoid CFPB penalties. Please assist, I am struggling with moving forward on this loan and I feel some areas may have been adjusted in order to avoid any regulatory penalties. My contact number is XXXX, I have all supporting documentation should you need it to move forward with this complaint. 

Loan app : XXXX Original loan processors name is : XXXX Phone : XXXX EXT. XXXX Fax : XXXX Her Supervisor who was also involved in communication was XXXX. 

I have now been reassigned to : XXXX XXXX XXXX Mortgage Processor | Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS : XXXX Email : XXXX Phone : XXXX Ext : XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
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. (FL)

However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Consumer complaint received 2020-01-13
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)

However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Consumer complaint received 2020-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

In XX/XX/XXXX I applied for public service loan forgiveness. I have worked for a XXXX   XXXX since I received my XXXX from XXXX University in XX/XX/XXXX. On XX/XX/XXXX I received confirmation that my application was in review. I later received a letter stating that I did not qualify because I had a FFEL loan instead of a direct loan. I was then asked if I wanted to consolidate my loan. I explained that I had already consolidated. I was then told ( by XXXX ) that they could change my loan over to a direct loan but I would have to start the 10 years over again. 

Recently another company contacted me to discuss my application. They recommended I contact XXXX and request the Temp Public Service Loan program. I was again denied - the customer service rep informed me that had nothing to do with the kind of loan I had but rather the type of payment plan I have. This makes no sense. I have paid consistently on my loan for 19 years, I have never missed a payment, I have worked for a XXXX for 19 years and yet I am being discluded from a government program which supports an individual such as myself. 

This is absolutely heartbreaking. When you are a student, the university gives you two choices - private or government loan. I did not even know that a FFEL was different from a direct loan until XX/XX/XXXX. I still do not know why a FFEL is any different than a Direct loan. This process has been very confusing and misleading. 

Loan is currently with Navient - previously with Sallie Mae. 

I would be willing to share by application previously sent to the department of education.
Consumer complaint received 2020-01-13
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. (RI)

On XX/XX/2020, I met with my financial coach and she informed me that my balance was different from what the credit reporting agency notated. She explained that the credit bureaus can take up to 30-60 days to update the information. I called the bureaus to update the  balance and have not gotten a response from the credit bureau. This is my second dispute against Transunion.
Consumer complaint received 2020-01-13
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-01-13
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-03-05
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. (MA)

RECURRING INFORMATION, Proof that XXXX XXXX XXXX  violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXXXXXX XXXX on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, Transunion and XXXX ) that I had defaulted and then charged off. Transunion, XXXX and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (GA)

on XX/XX/XXXX, I received a letter in the mail at my private residence. When I opened it, it was a threatening letter from Mandarich Law Group on behalf of XXXX ( never heard of either companies ) on behalf of XXXXXXXX XXXX  which I ALSO do not have an account with. Now the heading and abusive and threatening language is all under the guise of attorneys at law. But then at the bottom it says this is an attempt to collect a debt. Now I want it clarify, Are you Mandarich Law Group suing me on a contract we don't have together? I don't remember giving you any consent at all to contact me, you never reached out before to be sure you could. And the you start a judgement that has NOTHING filed in it and threaten and try to XXXX me into paying something you have provided NO proof I owe. and you should even have my information to begin with. Is your company suing me and on what grounds? provide me where I owe this debt, where I owe it to you and what ground would you have to sue me on hearsay for an alleged debt that ive yet to see proof that I owe to you. statements are not proof.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

The collections account from XXXX place was previously on my credit report from XXXX and had a negative impact on my score. It was recent removed from XXXX XX/XX/XXXX and then re-added which negatively affected my score again on all three reporting agencies even though it was never removed from XXXX or XXXX. It is also showing a balance on an open account which is not legal according to the FCRA laws.
Consumer complaint received 2020-01-13
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. (WA)

In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Adjusters, LLC (OH)

Negative remark appeared on XXXX  and XXXX   in the amount of XXXX. Was not advised payday loan would impact my credit after filing bankruptcy XXXX several payday loans were being offered XXXX XXXX being one of them. On my report it shows XXXX XXXX XXXX who never contacted me about this amount due. They have now sold the dept to National Credit who i have never heard of or from until XX/XX/XXXX reached out and was given no explanation why I wasn't contacted about them selling my dept to National credit solutions.
Consumer complaint received 2024-04-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (PA)

I signed a lease for 1 year for a family member who had an emergency around XX/XX/XXXX. I informed the business that it was only for XXXX year and I was not renewing the lease. I contacted them XX/XX/XXXX to confirm the leasing information and after it was confirmed that the lease was ending there was no further communication. Nonetheless, the lease was continued without my authorization nor my approval. Even on their agreement they provided it shows a license that was expiring in XX/XX/XXXX and I never gave them the updated license because I never renewed a lease. All amounts were paid by the family member including up until some time in XX/XX/XXXX or XX/XX/XXXX according to them. The business never contacted me by phone, email, or mail even though they had all the information to inform me of any status if I was the lessee. They are attempting to illegally put my name on the lease for dates and times that I was not the lessee. The collections company sent me a letter in which I responded and was able to speak with a representative name XXXX at a company called QAR who also confirmed that they are not able to provide any information demonstrating that I was the lessee after the lease ended in XXXX. 

- I did not receive any further communication in regards to this agreement after giving them notice of ending the lease in XX/XX/XXXX. 
- The first communication I received was around XX/XX/XXXX about a collections attempt from QAR in reference to money owed to XXXX XXXX XXXX. 
- I responded to them via certified mail on XX/XX/XXXX explaining that this is not my debt and asked for them to provided documentation. 
- QAR responded around XX/XX/XXXX with information of a lease agreement from XXXX and was unable to provide any other information. 
- I spoke with XXXX from QAR and he said that XXXX XXXX XXXX does not have any other information to verify the debt nor do they have my valid driver license after it expired because I never renewed the lease with them.