davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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. (TX)

Equifax will not do their job and investigate these disputes that I have submitted to their office. This my 4th time doing this. The other ( 2 ) credit bureaus has removed this derogatory items from my credit report. I want this negative items deleted from my credit report within 15 days. 

XXXX Unverified account XXXX Unverified account Medical Collection-XXXX Unverified account Medical Collection-XXXX- Not my account/Unknown Medical Collection-XXXX -- Unknown account Collection-XXXX Unknown account Signed one angry customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/1992
Consumer complaint received 2021-08-03
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)

This is my fifth complaint about Experian. Experian refuses to remove and block XXXX XXXX Home Mortgage from my credit file. Someone without my knowledge or permission used my personal information to open a Mortgage loan in XXXX 

I filed a police report with XXXX Police Department and forwarded the police report to Experian. 

Experian asked me to send the police report to them again. I sent the police report to Experian along with identifying information. 

Experian then told me that XXXX XXXX Home Mortgage certified that the account is accurate and it belongs to me. 

How does the account belong to me when I clearly sent a police report in to Experian that says I have been a victim of identity theft.
Consumer complaint received 2021-08-03
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)

Experian illegally added back a account on my credit report dropping my credit score 21 points. They had already removed the account already and UNDER 611 on the FCRA THIS IS ILLEGAL!! They removed XXXX XXXX then added it back a couple days later. If a account was deleted it should stay deleted!!!!! They also refused to delete fraudulent accounts after I called and sent in proof of deletion from all other bureaus. The representatives were all rude and rushing me off the phone and they lied and said that is normal activities but they did significant damage to my credit affecting my life in my familys life
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.
Consumer complaint received 2021-08-03
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. (VA)

The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATION/XXXX XXXX {$0.00} US DEPT OF EDUCATION/XXXX XXXX {$0.00}
Consumer complaint received 2021-08-11
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATIONXXXX XXXX {$0.00} US DEPT OF EDUCATIONXXXX XXXX {$0.00}
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (VA)

Amex and American Express has reported me as deceased without proper information. My credit score is XXXX and this effects everything as they keep marking my account as accurate and I am not deceased. How did they even report that? Where did they get that information from?
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (FL)

I received a nasty collections letter from Sequim Asset solutions LLC threatening my credit score of XXXX for an alledged debt of {$91.00} to XXXX  mobility. while i have 2 XXXX  accounts, one for home internet and one for wireless internet in my XXXX, both of those accounts are on auto pay. I do not have a third account with XXXX. said collections agency is threatening my credit rating. As a small business owner my personal credit is extremely important to me. I do not owe this debt and there collections tactics are extremely threatening.
Consumer complaint received 2021-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-08-03
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)

Back in XX/XX/2020, XXXX and its collection agreed to removing XXXX account from all three credit bureaus and still fail to do so. XXXX cashed my check and the check stated if cashed you would remove account from all three credit bureaus and they agreed. Back in 2020 XXXX 's also know as XXXX XXXX agreed to the same thing on back of the check it stated if cashed you agree to the agreement of removing account from all three credit bureaus and they hadn't upheld the agreement. We had an agreement and they agreed to it by depositing and cashing my checks. I have attached signed and cleared checks
Consumer complaint received 2021-08-03
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: Santander Consumer USA Holdings Inc. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-03
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. (PA)

On XX/XX/21 I sent out dispute letters to the three credit agencies, XXXX, TransUnion, and XXXX. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (FL)

I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE CALVARY SPV ILLCC # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO XXXX IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY CALVARY SPV I LLC AND ATTORNEYS XXXX XXXX XXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE
Consumer complaint received 2021-08-09
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: CCS Financial Services, Inc. (GA)

I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Consumer complaint received 2021-08-03
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. (OH)

My wallet was stolen containing my ID, social security card etc..A few days after loans, credit cards, electric, gas etc started being opened in my name using the stolen information. Sparaticly over the years I continue to be having issues with things being opened in my name. I have tried to correct this directly with the companies and have either just been dismissed all together, told it would be taken care of just to have nothing be done about it. Honestly believe they just told me what they thought I wanted to hear just to get rid of me. So I tried disputing items on my credit report some were taken care of however many still remain and have been refused to be removed. I don't know what else I can do. I know my credit is ruined, I've been homeless because I haven't been able to pass the credit portion of the application apartments or rent to own homes that I can afford turn me down I am permanently XXXX and on social security XXXX and have been for almost 20 years I have XXXX boys XXXX of which I had to send to live with other relatives because we lost our home. My youngest was only a little over a year old when I sent him to temporarily stay with his sister until I got back on my feet. He will be XXXX in XXXX and I have NOT seen him since the night she picked him up. She refuses to allow me any contact with him and will not let me know how he is doing infact I was told she would file harassment charges if I continue to contact her in anyway. She filled for custody of him and I didn't even know about it until it was all said and done. I was homeless so I wasn't receiving any mail. For first 4 months faithfully every day I contacted her to find out how he was if he needed anything until one day I was called everything but a white woman and told I was a useless no good for anything XXXX XXXX XXXX  and he would be better off having never of had me for a so called mother, she was a better mother than I ever could be she was his mother now and actually has him call her mom.I would try to set up time to visit and she would either not be home or set it up and cancel last minute, have us come and not be there when we got there and she lives in XXXX Ohio I live in XXXX Ohio . So basically my whole life has been effected one way or another by this and IS NOT GETTING ANY BETTER! Please someone help me so hopefully I can get my life back! My boys back! Our home back.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MA)

on XX/XX/2021 I received in the mails an attempt to collect a debt from Stillman Law Office. Unknown to me, I had previously received in the mails dated XXXX from the same office " Stillman Law Office ''. I do no know nor consent to their proceedings. I have no knowledge of this person and have sent on XX/XX/2021 a validation of debt, affidavit as well as an invoice for the damages they have already occurred, certified mailing # XXXX XXXX XXXX XXXX XXXX. They have already started reporting this on my consumer report, This alleged debt is not validated, this alleged account # and Amount due are unlawful and have already created a negative impact on my consumer report. I have no contract or contractual obligation that I have signed to pay Stillman Law Office. They have negatively affected my consumer report as I was notified of an adverse account, and appears af is I owe them to the public, need to be held accountable. They have violated my consumer rights and now I have to spend my time to correct this issue and clear my name in spite of my rights not being protected.
Consumer complaint received 2021-08-03
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal was included in my chapter XXXX bankruptcy filed XX/XX/2021. That included two credit cards, and the checking account that was negative. Navy federal never sent me any documentation confirming so. My membership is locked out. The original membership was created as identity theft. Yet eventually navy federal gave me access to be able to access the login. Now the login is disabled. The identity theft caused the bankruptcy to begin with after battling with this for over 8 years. I want to be able to reestablish membership with navy federal. What would be required to do so?
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. My credit report has been shared and pulled without my authorization and I have not benefited from such inquiries. Wrong addresses, employment and information retaining loans are incorrect and false representation of me. I have reached out to Experian on several occasions, stated my laws and rights according to FCRA and my requests have yet to be fulfilled.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I called the Equifax Credit Reporting Agency on XX/XX/XXXX to try to get a credit freeze and their phone menu did not work. It collected all my personal information and then when it asked questions about previous employers and creditors, the menu did not accept my responses and went into a repetitive loop and finally disconnected me. 

When after much convoluted effort, I was able to get human beings who said they were in XXXX, they both had XXXX XXXX accents and not a XXXX accent. I hung up. 

This is a very suspicious scenario, because Equifax was apparently hacked in XXXX.
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

XXXX XXXX XXXX placed a collection on my credit reports for an amount that was already paid. They then placed it on my report through several collection agencies and it was removed EVERY time because I had to file a complaint through CFPB. It has recently been placed back on my credit reports under a different collection agency. I am requesting that action be taken immediately to remove the collection from all of my credit reports once again. I would also like action taken from the FTC, because that is where this complaint will be forwarded, to have XXXX XXXX XXXX fined or reprimanded in whatever way the FTC sees fit because I am beyond frustrated with this affecting my credit! Please have it removed immediately!
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

I have been working tirelessly to improve my credit and provide a better living situation for me and my children, despite having difficulties with collection agencies reporting false information to credit bureaus. Collection agency IQ DATA INTERNATIONAL has been falsely reporting to XXXX credit bureau since XX/XX/XXXX. My credit report states that my balance owed is {$16000.00} and that my original balance is XXXX. The balance amount constantly increasing. The original creditor is XXXX XXXX XXXX XXXX which is the name stated on the lease signed. Apparently they are going by multiple names because the name mentioned on court documentsXXXX XXXXXXXX XXXX XXXX, is not the company I signed my lease with. 
I signed a rental agreement on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I moved in a week later because I was told the building management had to move some else furniture into my apartment temporarily because the person 's apartment was not ready yet and they had nowhere to put their belongings. I was never compensated for this like I was told. This account is reporting the wrong balance owed. I have court documentation giving to me at court on XX/XX/XXXX stating that I owed {$3500.00} plus {$310.00} in attorney fees. As stated in a document I signed on XX/XX/XXXX I agreed to leave the apartment by XX/XX/XXXX, and I vacated as agreed. I also included this agreement signed on XX/XX/XXXX, a copy of the first and last page of my lease showing the {$1500.00} amount I paid for a security deposit that was not returned to me, and my balance was not adjusted to show it was applied to the amount I owed, and I also included with these documents to XXXX Credit bureau and IQ DATA International a copy of the cashiers check I paid to XXXX XXXX XXXX XXXXXXXX ( the original creditor ) towards my security deposit. The amount reported is again incorrect and this account should be removed.