davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2023-03-22
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # : XXXX U.S. Bankruptcy Court XXXX XXXX bankruptcydischarged Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-03-30
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. (AL)

CONTACTED EXPERIAN ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES XXXX XXXX  FOR A TOTAL OF 3 TIMES
Consumer complaint received 2018-11-06
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: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2018 I submitted a dispute to XXXX informing them via written letter, that they were reporting me as an authorized user, a charge off account from Navy Federal Credit Union in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
Consumer complaint received 2022-03-30
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: JPMORGAN CHASE & CO. (AL)

CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
JPMCB CARD XXXX XXXX RETAIL CARD SERVICES XXXX  XXXX FOR A TOTAL OF 3 TIMES
Consumer complaint received 2018-11-06
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. (CA)

On XX/XX/2018 I submitted a dispute to Equifax informing them via written letter, that they were reporting me as an authorized user, a charge off account from XXXX XXXX XXXX XXXX in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ' '' promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-03-30
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)

I've discovered that I am a victim of identity thefXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.
Consumer complaint received 2022-03-30
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. (IL)

I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.
Consumer complaint received 2019-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: eMoneyUSA Holdings, LLC (TX)

I spoke with this company numerous of times they all remain unprofessional telling me to go get a criminal report from the police station they never sent me the proof the loan the local polixe told me they dont do those types of reports we have to hire a detective i sent emoneyusa a notorize letter that they claim they didnt get, i told them do they have proof a copy of my state issue id or driver liscence before they issue out a loan they response was you need to make a payment this company is fraud and unprofessional they let somebody take out a loan under my information and calls me and email me constantly to make payments, the bank the loan was issue to was a prepaid account in which they requirements they dont issue loans to prepaid accounts so why will they send a loan and not ask for the person to provide identification proof, and the loan was applied over the internet. Then on the proof of banks account they showing two different accounts one is an outline for one bank and the other is an outline for another bank that they said was used in loan issuing. This is an error and i have try negotiating with them numerous of times and they emails me back been rude and unprofessional. 


To delete this off my credit this account was created in fraud provide proof to me that they have my identical that it was me they told me the proof was the bank well the bank listed on the email is a prepaid account this company fail to even show me some kind of documentation just been communicated with me through email been unprofessional if you look at they website it clearly states that they dont issue loans to prepaid account and in which they say they verify that the bank account was mines well the loan should have been denied when they verity the bank because it was a prepaid account they didnt verify. I have file a dispute and ask that all 3 breaus ask that emoney provide them a copy of my identification card or drivers liscence that they can provide information that they issue a loan to me.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

For the past 30 days, a mediation company identified as HR Management has called several times XXXX threatening to file a judgment for an alleged HSBC debt dated XXXX paid in XXXX XXXX XXXX XXXX through Stipulation. This paid HSBC debt was paid and is currently today beyond of XXXX  statute of limitations.
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (RI)

I was told of a promotion ( Promotion XXXX ) from Citi in XX/XX/XXXX stating " you can earn {$400.00} with a {$15000.00} qualifying deposit '' with additional terms including " {$15000.00} must be maintained for 60 consecutive calendar days following the date of the qualifying deposit '' and " The cash bonus will be credited to your new Eligible Checking Account within 90 calendar days from the date you complete all required activities. '' On XX/XX/XXXX I went to the Citibank Branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There, XXXX XXXX ( XXXX ) assisted me to open a new Citibank account . I opened the account with the explicit intention of benefitting from the promotional offer and complied wit the terms stated by it by depositing {$15000.00} and keeping them in for two months. In the subsequent months I met all the requirements to be awarded the bonus. Unfortunately, I never received the {$400.00} bonus. 

I personally met with branch employees three times in XXXX. The first time, around XXXX, I was told I had to wait 90 days to see the funds credited in my account. Of course, this did not happen. 
In XXXX I went to the Citibank branch at XXXX XXXX XXXX with this concern. I was assisted by one of your partners and was told that they would look into the issue and contact me with a solution. 
In XXXX I met another employee, XXXX XXXX ( XXXX ) who looked into my case and told me they would contact me with a solution. 

Finally I received a communication stating I needed to complete the W-8 tax form. I did this and sent it via both standard mail and email around XX/XX/XXXX. I still have not heard back even though I have asked both XXXX XXXX and XXXX XXXX to update me in this issue.
Consumer complaint received 2022-07-11
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update the account as I have not been late on any of these payments.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (CA)

Mountain Run committed fraud by attempting to collect from a debt they manufactured I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX Signed and initial my name on bogus contract.
Consumer complaint received 2022-03-30
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: Santander Consumer USA Holdings Inc. (IL)

I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as Santander Consumer Usa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX in which I was not responsible for these items along with XXXX XXXX  and Also XXXX XXXX XXXX  XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

My daughter and I have been trying to work with Navient for almost 12 full months as of XX/XX/2019 trying to lower her monthly payment to an affordable amount. I am positive we signed up for a Fixed Interest Rate, but they continue to raise the interest rate stating we signed up for Variable Rate. I can not find our loan documents on their website either. We have recently called to request a copy of this information.

I am cosignor on this loan with my daughter but since cosigning have become XXXX XXXX, unable to work and therefore, unable to help her make payments on this loan. Navient doesn't seem to think that is an issue.

Navient continues to offer no solutions to be able to afford a payment. She has used her 12 months of forebearance as of XX/XX/2019 trying to work with them to help her be able to afford payments. Navient has offered her interest only payments, or forebearance. Neither of those options HELP. We have called them monthly if not twice a month hoping to find the right person to answer and help offer a solution.

She isn't looking to not pay her debts, she just wants to be able to feed her family and enjoy life a little while paying her debts.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

There is a charge on my credit report for XXXX, XXXX, and XXXX. This debt of XXXX does not belong to me. During this time frame the account was opened someone broke into my mailbox. I have been a victim of identity theft. Please advise these companies to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, I and am requesting this debt be removed immediately. I am writing to request that XXXX, XXXX, and XXXX  to provided the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please provide evidence your authorization to do business or operate in this state. 5. Please provide evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
. I am requested this debt be removed because this debt does not belong to me.
Consumer complaint received 2019-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

Back in XX/XX/XXXX this debt appeared in my credit report and I disputed as not mine because I never went to Emergency in XX/XX/XXXX. Further more when I go to the doctor I pay my visit with my health insurance and any remaining balance that is supposed to be cover my me is paid with my Flexible Spending Account card-XXXX. This debt was disputed and deleted from my XXXX  Report because is not mine. Now they put the account back in my credit report. I disputed again and requested documentation that prove that is my debt and when I complaint to XXXX  that this account was deleted in the past and is also 5 years old they just responded that the account is now from another Company and they have to keep it in the report. I requested documentation to prove that is mine and it was not provided to me and anyways XXXX updated the account in my report. There is not a phone # for that Company in the Report and neither that Company contacted me and I have no business with that Company. It seems that anyone can just got to XXXX   and states that someone owes them to go ahead and put In your report event that was deleted and disputed in the past and also stablished that it was not your account.
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC. (NV)

In XX/XX/2018 I received a call from a woman saying she worked for XXXX XXXX XXXX XXXX and she had all my information about an account of mine that was in collections. I agreed to allow them to take out {$120.00} from my checking account each month for 6 months until XX/XX/2018. I recently found out that the collection account has not been paid at all. I was scammed out of {$730.00} and can not get in touch with this so called XXXX XXXX. Please help me get my money back. 
-XXXX XXXX
Consumer complaint received 2018-11-08
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. (MI)

I have submitted disputes with XXXX, XXXX, and experian about balances and incorrect reporting of student loans and also student loans that do not have contracts. Experian and XXXX has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX  investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from XXXX  and experian as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint
Consumer complaint received 2017-11-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C. (TN)

This company Wilber and Associates took money from me by making a false promise that I would not have my license suspended by the state if I paid them a certain amount by a certain date. I gave them exactly what they asked for and they did the exact opposite of what they told me that they would. They put me in an indigent situation and now they are they did not do what they promise.