davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Keynote Consulting, Inc. (FL)

XXXX XXXX XXXX is a leasing organization in the XXXX area who I had an apartment leased from. Per XXXX rental code they were legally obligated to attempt and release my unit at a fair market value when I left the premises, I was to pay the rent until they did that. The company never made any attempt at mitigation, and spent months arguing with me instead of trying to release it, even after I asked for communication to stop ; which in the city of XXXX eliminates their ability to collect debt. The organization was sent a cease and desist letter from a lawyer outlining they were not able to collect this date. They immediately after sold the debt to Keynote Consulting. This is an illegal debt, and XXXX investigation did not eliminate the debt.
Consumer complaint received 2021-08-17
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: Manhattan Beach Venture, LLC (FL)

These accounts don't belong to me. Please remove them from 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 US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MA)

What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.
Consumer complaint received 2022-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been on an Income Based Repayment program for over 10 years with Navient. I recently received my annual certification to submit income to recalculate the loan amounts. I had submitted my certification and was told I no longer qualified even though my husband qualifies for the plan and our filing status on our tax return is XXXX XXXX XXXX. I had called on both XX/XX/XXXX and XX/XX/XXXX at XXXX AM for updates and was told I no longer qualified and that my husband had filed his forms out incorrectly and was hung up on when asking to speak to a supervisor. The annual submission is straightforward and I am certain they are not using my husbands loan values in making the calculation. Thank you.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FMA Alliance, Ltd. (TX)

On Tuesday XX/XX/2021 FMA ALLIANCE called someone in error from XXXX at XXXX XXXX  -the agent name was taken as XXXX XXXX XXXX 
The Individual that received the phone call asked who they were and what the call was in reference to, at which point the agent immediately told the individual who the alleged original creditor was, and that this was an attempt to collect an alleged debt. ( For XXXX XXXX ) The individual then clearly informed the agent that they had the wrong person, and that they had no knowledge of this matter or the person they were looking for. At this point, the agent got upset and belligerent and insisted OK well if youre NOT that person let me verify the name address and phone number we have on file and proceeded to rattle off my full name, phone number, my date of birth and my address to a completed stranger that clearly identified themselves as not being the person they were calling for. 
The individual then interrupted the agent saying hold on hold on hold on, what did you say your name was? And what did you say the company youre calling from is? 
The agent replied I already told you. The individual asked the agent to repeat her name which she did but she refused to restate the name of the company while belligerently interrupting the individual insisting no I already told you know I dont have to tell you that again and So youre not this person? why do you want to know the name of the company? Over and over not allowing the individual to be clearly heard while the individual replied to the agent stating Im pretty sure that by law you have to tell me what company youre calling from, Plus you just gave me a random persons personal identifiable information illegally so yes tell me what company youre calling from and your name at which point the agent hung up. The individual then called me at the number that they provided her, she told me what happened and apologize profusely saying that I needed to report this to someone.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

After noticing a late payment from late XXXX on my report that I did not agree with, I began a dispute with Equifax. After a few days the dispute was complete. The result was puzzling, adding fraudulent and untrue information including many late payments in the year of XXXX including 30 and 60 day lates while the car was paid off. I immediately began yet another dispute and contacted XXXX XXXX XXXX to determine why they would do something so despicable and intentionally demeaning. The representative I was connected with spent hours reviewing files, documents, forwarded information, and reached out to the highest of his superiors because of his complete loss of understanding in the situation and why they reported untrue information. I began a conference call with XXXX and Equifax connected, in which did nothing. They asked the Rep no questions, for no files, or insight. They simply dismissed the matter, stating it would get done later. The most angering and concerning thing is the Rep I spoke with the week prior was very aggressive, rude, and dismissive, which created tension the entire call. Prompting me to believe he had something to do with the situation. The incorrect information Equifax decided to report which is different from XXXX, XXXX, and the co-buyer on the account dropped my score significantly and again with no accuracy or merit. The was a complete fail on there part and 100 % defamation of my character and credit worthiness. They also removed all currents and replaced with unknowns, which hurts my on time percentage. I have never seen a situation so baffling from a company that is suppose to ensure updated and correct information. I will most likely be receiving legal assistance in the matter.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a text message about a potentail fraudulent bank transfer through XXXX from my Bank of America bank account to which I responded no I did not authorize. When I responded I received a phone call from a person claiming to be a Bank of America Employee. The fake employee called from the Bank of America customer service line XXXX and said that someone had authorized a transfer of {$3500.00} and that they were with Fraud Prevention at Bank of America. The fake employee then walked me through steps and proceeded to trick me into sending them money via the XXXX  application to their bank account. After I hung up I called Bank of America again and found out that they had not called me and that I had been scammed. When I was transferred over to the real Bank of America Fraud Prevention, they essentially told me they could not help me but they would open a ticket in my name. That ticket number is XXXX. I want help getting my money back, just because I was scammed by someone who claims to be a Bank of America employee does not mean that I should have lost {$3500.00} which is a lot of money for someone of my financial standing. Any help in this process would be appreciated.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I had a home loan thru XXXX XXXX. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.
Consumer complaint received 2021-08-17
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. (TN)

After I reviewed my report from XXXX, XXXX and TransUnion I found out that I was a victim of Identity Theft. I sent a dispute to TransUnion on XX/XX/2021, where I disputed the fraudulent items. I also sent them an Identity theft affidavit. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the bureaus need to block the items in 4 days after they receive the dispute but they failed to do so. That is the reason I send you this complaint. TransUnion is the only bureau that failed to comply with the law, XXXX and XXXX already blocked the fraudulent accounts.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc. (MD)

I had a prepaid paypal account. I can not get any prepaid cards and the debt is not from XXXX the debt is from SIMM associates Inc affiliate and or subsidiary of XXXX. These devt collectors are individuals who obtained licenses during the pandemic for this nation crime fund from the american war world ll from forgery POA. This debt collector is my identity thieves stalker harrasser etc.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have a bankruptcy showing on my TransUnion credit report. Over the past few months TransUnion has refused to not only properly VALIDATE! This account on my report. I have initially send a request to TransUnion advising them to please send me the information on who they validated this Bankruptcy with as well as send me all of the information that they used to come to said conclusion. Instead of TransUnion sending me how they validated the request they sent me a letter stating that they verified this account as accurate with the XXXX XXXX XXXX MISSOURI. ( I have submitted the letter that TransUnion sent me in uploads below. ) I personally reached out to the courts XXXX my letter to XXXX courts is submitted in uploads below. ) asking if they verified such bankruptcy. ( I attached my Identification for verification purposes. The bankruptcy courts sent me a letter stating they have NEVER verified this bankruptcy with any Credit reporting agency at all. ( I have attached the bankruptcy letter to submitted uploads below. ) I resent TransUnion the Bankruptcy courts letter stating that TransUnion lied as well as my Drivers license and their letter that they sent to me stating the courts verified the account. Instead of TransUnion following the law and deleted this UNVERIFIED Bankruptcy they sent a letter stating they were unable to verify my identity and was unable to move forward with my dispute. I call that stalling and again NOT ABIDING the law. I resent my drivers license the bankruptcy courts letter and a letter advising TransUnion that If this unverified account is not removed from my credit report I will be officially filling a complaint. TransUnion then responded that they information from the courts was NOT sufficient information and that they will not further investigate this dispute because they have already verified it. ( I have attached the letter from TransUnion refusing to remove this inaccurate unverified account from my report. ) This is against my rights as a consumer. A cra must remove or correct inaccurate or unverified information from my files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your files unless it is outdated ( as described below ) or can not be verified. 
Ive ask them to NOT use the XXXX and XXXX XXXX while verifying because that is NOT RECOGNIZED AS PROPER VALIDATION. 
I am uploading all of the correspondences between me consumer and TransUnion. 
I have been going back and forth with TransUnion for almost 6 months. I am tired of fighting for my consumer rights when I have proof of facts. PLEASE REMOVE THIS UNVERIFIED ACCOUNT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-08-17
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. (PA)

This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (IN)

Ive was with XXXX XXXX for a few years. My kids father was added to my policy being that he travels with our children! He got in an accident and it took my policy from {$190.00} to {$390.00}. I decided to shop around for a cheaper insurance policy and decided to pay XXXX XXXX their last payment before departure! The moment I let XXXX  was contacted about a payment I supposedly never made, which was months prior to my departure. I pulled up their policy and it states that if no payment was received then per policy would be considered lapsed! I asked them to send me proof that no payment was received as well as proof that I was insured. They failed to send me anything! I looked at their policy again and it isnt showing anything about term limits or anything about send it to credit unions! I was also contacting by a third party stating that I owed them when I never have permission to be reached by any third parties! My credit has been affected by this issue and I shouldnt be victimized by this
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My deceased parents left their house to me and appointed me as personal representative of both of their wills, not knowing their had a mortgage on the house. In the will my stepbrother was only over medical of power of attorney on his father. some how he has his name on the house. I called Bank of America, to let them know that they left the house to. I sent Bank of America a copy of the Will and Testament of both and copies of both death certificates They will not talk to me at all, I tried on several occasions also several companies have inform me that the was over charging my parents for mortgage payments .All this stated back in XXXX, when my mother passed and XXXX when my dad passed away. This person name is nowhere on the wills as personal representative We do not want to lose this house of 49 years.
Consumer complaint received 2021-08-17
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 2021-12-19
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)

On XX/XX/2021 I submitted a multi-item dispute via mail thru the USPS. The credit reporting agency replied to my correspondence stating that the disputed items were verified. On XX/XX/XXXX I wrote to the credit reporting agency ( see attached letter ), again, citing the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states, a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit reporting agency failed to reply within 14 days after receiving the request and they also failed to provide the information requested as outlined by the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 14 days after receiving a request from the consumer for that description.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (MD)

This complaint is to establish a written record of my communication with Credit Corp Solutions Inc. located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX according to their written notice or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, according to their online address. Their email address is : XXXX and their phone number is listed as ( XXXX ) XXXX online and on the written notice. 

This debt collection company contacted me via standard mail on behalf of XXXX to resolve a fraudlent transaction that has resulted in either a legit or fraudulent a debt collection I spoke with a Credit Corp Solutions Inc specialist today after receiving a notification letter on behalf of XXXX regarding an outstanding payment in the amount of {$65.00}. 

Their representative informed me of the fraudlent account number XXXX and the associated email address XXXX. Neither this account nor the associated email belong to me. Furthermore, I have no payment activity with the aforementioned transaction amount. 

Their representative asked for my birth date and asked me to verify my childhood home address as part of their verification process. Also, their rep advised me to : -File a police report -Complete and notarize the fraud report paperwork that they said XXXX would send via email. 

At this writing, I am still waiting on the paperwork, which leads me to believe that this was a scam and attempt to retrieve personal information for future abuse. For your records, I have reported this fraudulent activity to XXXX and will file a police report. 

Thank you
Consumer complaint received 2022-06-24
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.