davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX U.S.C. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW
Consumer complaint received 2024-02-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (GA)

They did not provide a contract that I signed with national credit adjusters the only contract they provided was with another lender. The contract they provided has been charged off through XXXX XXXX and XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax has failed to comply with my request to present some proof that I am the person liable for the inaccurate Address being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I signed up for an HSBC checking account because they promised a {$450.00} bonus. I met the requirements, but the 8 weeks came and went without the bonus being paid. I contacted them and said " what's up with that?! '' and they told me I didn't open the account " through the campaign landing page ''! Oh no! A total complete lie! I 100 % did open it though the campaign landing page! Thank goodness I saved PDFs and HTMLs. ( Side note : It is mighty suspicious that the bonus code does not show up anywhere in the application as a text field. Other banks have the code show up somewhere in the application ... for obvious reasons. ) Also, other customers have complained online about HSBC l-y-i-n-g to them and making this exact same excuse to them! Wow!

Anywho ... I'd like my {$450.00} bonus now. Thank you!
Consumer complaint received 2020-07-12
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: EQUIFAX, INC. (TX)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Talked with a XXXX representative in XX/XX/XXXX about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my TransUnion Credit Report after 10 years. The XXXX rep. assured me at that time the matter would be investigated and removed. In XX/XX/XXXX I received a latter from XXXX dated XX/XX/XXXX stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and TransUnion ) to remove the reference to Chapter 13 bankruptcy on your credit profile. '' However, TransUnion has failed to comply. I have certainly spoken with both a TransUnion Rep. and XXXX rep. on XX/XX/XXXX about this matter. XXXX instructed me to take this matter up with TransUnion and TransUnion has instructed me to take this up with XXXX.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted my identity theft FTC affidavit along with dispute letters stating the Section 605 of the FCRA. TransUnion sent me this letter stating they ca n't do anything right now. They are required to comply with my Identity theft block within a week when a police report is submitted in addition to the identity theft block dispute letters notarized. I 've been a victim, and they are choosing not to do their job per the FCRA. I 've attached a photo of the letter they sent me.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

XXXX accepted payment it is refusing to apply correctly. An account was opened, then closed without informing me. A new account was opened and used, then paid on time and in full. Payment was to the closed account and not properly adjusted. The payment is being returned to me rather than cancelled and sent to where it would be correctly processed. They are charging me for not paying on time when I did. They are not guiding me on what to do if I do n't receive the check to return it, and what their plan is if a different check needs to be issued in terms of who it would be issued to. I have marked my calendar for XX/XX/17 to inform them if I was not able to return the check to them.
Consumer complaint received 2015-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

This co claims to be a agency that collects past due traffic tickets. I have a ticket that is not paid, however on the mailings they send me they only have an amount. they do not give a citation # or anything pertaining to the ticket. the internet list numerous of people they constantly call and threatened them. they call my number every day. 
I want to pay the ticket, but not to them.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I pulled my credit XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely,
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

On XXXX XXXX, 2016, the tank to the toilet broke. As any logical person would do, we turned the toilet inlet wall valve to stop the water flow to the tank ; this valve failed while turning off the water supply - the valve stem popped out of the valve housing. These causing flooding in the apartment. We filed a claim with XXXX to get the toilet fixed. A claim was filed with XXXX for the toilet damage for {$1000.00}, our insurance policy covered the cost to fix the toilet. Additionally, they stated that we are not legally responsible for the property damage claim filed by XXXX XXXX XXXX caused by the faulty valve. XXXX is a very reputable company. They covered the damage that was caused to the toilet tank to get repaired. We should not have to pay for equipment damage that is not up to industry standards nor maintained and owned by the XXXX XXXX XXXX. The sent us to collections for the cost of the damage done by the faulty valve for {$3200.00}. We asked them to show us what their insurence has paid but they will not give us any information, I suspect that they are asking for reimbursement for claims already settled by their insurance company. We have followed and taken all steps to resolve this issue, including contacting them and I.Q. Data International by telephone calls, visiting the front office, email and certified mail - every step we can think of. We have filed multiple disputes with I.Q. Data International, Inc and XXXX. I have had tired to have many conversations with XXXX XXXX XXXX but they have not responded. They have changed their email and their website is no longer up/active. We are no longer able to get in touch with them. Our last step will be taking them to small claims court if they do not take any action regurding the false claim that they have made to collections. Thank you in advance for any assistance you may be able to provide.
Consumer complaint received 2017-08-19
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. (SC)

I have called Navient numerous times to see if they could help lower my monthly pavements and the say they ca n't even though my family has grown and has medical bills making it hard to pay my full monthly payment.
Consumer complaint received 2017-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (PA)

XXXX XXXX XXXX ( NRA ), XXXX XXXX XXXX, XXXX, PA ( XXXX ) XXXX entered an amount on my credit report that was already billed to XXXX and XXXX paid the amount due to XXXX XXXX Hospital several years ago. However, this complaint is not about the bill or the amount. It is about how this claim was communicated.
My son noticed this amount, and the information about this amount, was entered on his credit report. He called the credit reporting agency to report that his credit account had false information.
The credit agency directed him to call XXXX XXXX XXXX ( NRA ) to resolve the false claim. He called and spoke with the representative at NRA.
When my son asked about why this false information was on his report, the representative told him there was a mix-up with the last name. Then, the representative proceeded to tell my son all of my personal identifiable information, including my address and birth date.
Of course, my son knows this. But what right does this collection agency have to give out anyone 's personal identifiable information to any one? Could n't they simply verify that the charge on my son 's report was mistakenly added to his report without disclosing my information? What reason would they have to tell anyone personal information about someone else who they ( the agency ) mistakenly exposed?
Further, the NRA representative had no idea that the person on the other end of the phone line was indeed my son. It could have been anyone. How many other callers have been given my personal identifiable information? There is no way to tell. This is a serious breach of confidentiality and one of the reasons there are so many mistakes on everyone 's credit reports. Am I to understand that my personal information is being floated to whomever calls and asks for it? Not to mention that the information is false no matter whose report it lands on.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

My credit report is currently frozen on Equifax. I need to lift a freeze to apply for a mortgage, which is time sensitive. I requested a temporary lift of the freeze on XX/XX/2024, to end on XX/XX/2024 online via their website. I received a message that they were unable to lift my freeze and that I needed to call their customer service line. It was after hours and so I was not able to call. 

I tried again to unfreeze my credit online today, XX/XX/2024, and it still gave the same error message that they were unable to lift the freeze and I needed to call customer service. I called customer service around XXXX EST, and spoke to a representative. The representative attempted to lift the freeze while we were on the phone, and they were also unable to do so because of an error. They informed me that they could not remove the lift. When I asked why, they said they didn't have access to what the error was. They informed me that I would need to call back again and speak to a different department, but the department was closed for the day and so they couldn't lift the freeze today. I need this freeze lifted as soon as possible because I need to apply for a mortgage as soon as possible as we already have an accepted offer on a home.
Consumer complaint received 2022-09-08
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. (NY)

I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from XXXX XXXX XXXX XXXX. XXXX then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). XXXX XXXX XXXX claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that XXXX would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that XXXX broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. 

XXXX also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called XXXX ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call XXXX indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. XXXX informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. 

XXXX then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. XXXX has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. 

I have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law.
Consumer complaint received 2022-03-10
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. (VA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Consumer complaint received 2022-03-10
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. (TX)

I'm the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to Credit bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$620.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  Balance {$0.00XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX  Balance {$690.00} XXXX XXXX XXXXXXXX XXXX  Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$740.00} Discharged XXXX : XXXX  Reference Number XXXX Date Filed 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 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 2022-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: REGIONS FINANCIAL CORPORATION (MI)

I received a pre-paid card from XXXX  XXXX  that would have the money I would receive from the company for donating. I have since stopped donating and requested my account be deleted by both octapharma and by Comdata. XXXX emailed saying Comdata would be the only company allowed to delete my account and Comdata have stated the XXXX company must reach out to them for the account to be deleted. All of this took place on XXXX XXXX and either company has done as I have asked.