davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2021-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (AR)

The Bureau collection item appeared on my XXXX XXXX credit report with no credit report. 
I have no knowledge of the account. 

XXXX responded they can not locate an account with the information provided, therefore they should remove from my XX/XX/XXXX Credit Report. I do not have another name. I submitted a dispute via XX/XX/XXXX again on XX/XX/2021. There is no account number on credit report.
Consumer complaint received 2020-05-12
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)

SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-02-06
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX CreditBureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2023-02-06
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (GA)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and receivewd copies of the FTC Fraud report. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included these reports in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need your help removing the following accounts items as soon as possible : 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 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 2020-05-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-02-06
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. (DE)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2021-02-21
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. (KY)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm. being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (CO)

Bankmobile Technologies, a subsidiary of XXXXXXXX XXXX, solicited me to open up an account with them via my relationship with XXXX. I had no problems with the initial opening of the account and received my physical debit card. I used that to access my account on-line and proceeded to fund my account {$1000.00}. After going through the verification process, on XXXX XX/XX/XXXX, XXXX XXXX XXXX took the {$1000.00} from my XXXX XXXX  account that I wanted to fund the account and on XXXX XX/XX/XXXX restricted my account with my {$1000.00} being in the account. The cryptic e-mail stated that there was unusual activity on my account and when I called, the customer service agent had me repeat my personal verification information multiple times leading me to believe that this " bank '' is a scam or engaged in fraud or some other nefarious purpose to lure XXXX  customers into giving their hard earned money to XXXX. After speaking to XXXX, a supervisor, he said that they can not tell me why my account was restricted but " after 5 days '' someone will call me. I asked to close my account, but because the account is restricted, they would not. This " bank '' will now have {$1000.00} of my money and I have no access to it nor can I get it back until they determine some arbitrary issue. If my account has been hacked, I have a legal right to know. If their bank has been hacked, just like XXXX had their customer records hacked into not too long ago, I have a legal right to know. Consumers can not trust financial institutions that hide in secrecy and do not tell consumers the truth about what is going on with their account and their money. While it's cute to have a black and purple debit card, just like the horrible coverage and service XXXX provides via cellular services, it is not surprising that they would partner with a suspicious " bank '' that provides even worse support and service.
Consumer complaint received 2021-02-05
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2020-05-11
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: CCS Financial Services, Inc. (LA)

I noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (UT)

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 need to investigated and deleted for erroneous reporting in my file and 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 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 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (OH)

I've contacted lexis nexus multiple times about an accident on my consumer report that did not happen to me. I am a male and this accident happened to a female with the same name but different spelling. The person the accident happened to has a different birthday, XXXX, spelling of their first name and the accident happened in a state i have never resided or visited. They have denied my despite 3 times and this whole ordeal has cost me over {$500.00} with my new insurance company in fees. I've never owned a car untill XX/XX/XXXX of this 2020 and have never had a drivers license or driven in my life. If lexis nexis does not fix the issue at hand then I will have to use legal acton due to the hundreds of dollars I am being charge monthly from an accident that did not happen to me.
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (GA)

1 ) I have canceled this membership twice by providing my ID to cancel this membership as required per the membership agreement with the XX/XX/XXXX XXXX. This was done in person. 

2 ) On XX/XX/2020, I received an email and call from XXXX XXXX XXXX XXXX and disputed the charge. I reiterated I had canceled the membership long before this charge. I further requested that communication should be done in writing as I was spoken to in an inappropriate tone. I never received another communication. The employee stated even if it was declined on the fact it was fraudulent we can still collect. I also notified the Federal Trade Commission at this time because of the attempt to collect a debt that was clearly fraudulent. I never received any further communication from XXXX XXXX XXXX XXXX. 

3 ) This charge was billed to a XXXX XXXX XXXX credit card even though I had entered XXXX XXXX XXXX XXXX twice and provided my ID to cancel this membership. I initiated a fraud chargeback process as this was not a legitimate charge. I won this case and was refunded the amount plus additional charges including interest to my credit card. 

4 ) I received a call from First Credit Services and further stated no communication is allowed via phone. It is to be done in writing. I also explained this debt was because they attempted to charge my card and it was deemed fraudulent. I stated no verbal communication because the company threatened this would damage my credit and be reported event though it was deemed fraudulent. 

Is it common practice for First Credit Services to attempt to collect on charges that have already been deemed fraudulent or not valid? According to the FCRA, this practice is deceptive and reportable. XXXX XXXX XXXX XXXX knew the account had been closed, the bank concurred with the finding the account had been closed yet XXXX XXXX XXXX XXXX and First Credit Services Inc are attempting to collect on a fraudulent basis. I have notified the three credit bureaus with this information. I have also contacted the following agencies to report this incident Consumer Financial Protection Bureau, the Georgia Governors Office of Consumer Protection and the Federal Trade Commission. 

5 ) A letter disputing this debt was mailed to both XXXX XXXX XXXX XXXX and First Credit Services on XX/XX/2020. No response from that letter was received. On XX/XX/XXXX, the account was added to my credit file even though I was disputing the debt in writing with the original debtor and the debt collection company.
Consumer complaint received 2020-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

I do not have any knowledge about the debt that is claimed to be owed. I have never had credit with the company in the letter that I received last week for the first time. I mailed a letter for request of validation on XX/XX/20 with no response. Company did not respond to my request but instead it was put on my credit report to tarnish my credit. I have not ever received a phone call from this company and Ive only received one letter for the debt that I tried asking for proof as to where this debt came from and who is the company. I would like this removed from all credit bureaus. This company should have followed proper procedure. And contacted me more than once about this debt. One correspondence and then its on my credit report with absolutely no details about the debt. Respond to my mailing on XXXX first.
Consumer complaint received 2020-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I reached out to Navient to tell them about a student loan for which I last made a payment in XX/XX/XXXX. I always never understood why I was making payment on this loan as I had only federal loans and no private loans. When I lost my job in XXXX, I stopped making payments and Navient/Sallie Mae ruined my credit and hounded me with abusive calls. I have over {$70000.00} in student loans for which I'm struggling to make on-time payments. I have lost 2 out of my 3 jobs and can't afford to make any payments on this loan. 

Navient responded saying that I signed for this loan and provided an electronic signed document. This loan has a cosigner and the cosigner hasn't even signed this loan. The document is not even valid. Navient also said that they have taken this out from the credit report but still I'm unable to get my own place because this always shows as a bad debt and I'm expected to pay the full amount with 22 % The loan has passed its statute of limitations and should be completely removed from my credit report. 

Attached is the proof of a denial request from XX/XX/XXXX 2020 where I couldn't get a housing loan approved because of this debt
Consumer complaint received 2020-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a dispute dated XX/XX/2020. It was received on XX/XX/2020. There has been no notification of any disputed started by Trans Union. Its been more then 30 days and no investigation results have been produced either. Trans Union did not conduct an investigation into the dispute of the inaccurate credit items I requested.
Consumer complaint received 2020-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (IL)

I have XXXX Student Loans with Sallie Mar ( SM ) for which I am on monthly payment plans. Only 2 loans are currently due for payment and the 3rd loan was not yet due. Without notice, SM put the 3rd loan into automatic repayment status. When I called them about it they did not have any explanation, other than they I owed $ $ $ to bring it current. I told them that the 3rd loan had been in deferred status and was not due till month later. They did not care but keep transferring me from 1 customer rep to another.

I them made some arranges to bring up the payments of the 3rd loan. However, a few weeks ago, i got notification from my credit report that an account is reported as delinquent. When I looked it up, it was one of the SM accounts that I have been paying on. Not only is this information incorrect. It is unethical ( and should be illegal ) that companies like SM are reporting negative to student Credit Reports during an economic crisis.