davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am referencing report # XXXX.from Experian I have over the last 5 months sent in a request for verification of information on my credit file. I have included a copy of my social security card number, Drivers license and Account statement from XXXX XXXX XXXX XXXX. 
I first asked for verification of my address ; they report 5 different addresses with 2 addresses in the state of XXXX which I have never resided. They also report 2 address where I currently live stating that I have lived in 2 different apartments when the correct one is unit XXXX. Both of these items are easily verifiable. I actually contacted the apartment management about the incorrect reporting and was told if they actually verified the information it would be reported correctly. They also claim that the address XXXX XXXX XXXX XXXX is tied to accounts I have with creditors that are being reported on my credit file which once again is incorrect since I actually verified their information to confirm they report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX which is my correct address. 
Experian is also reporting 3 variations of my name. Once again I provide copies of my social security card which states " XXXX XXXX XXXX also my drivers license states ' XXXX XXXX XXXX ' with my account with XXXX XXXX  XXXX XXXX stating the same name. 
I provided the documents they required after they stated they required such documents which I sent initially with each verification request that I have mailed to Experian. 
Lastly I asked for verification of a bankruptcy being reported on my credit file. I was told that the information was provided by XXXX XXXX which I contacted to be told that my credit file has been frozen since 2013 which is before the date the bankruptcy they are reporting was filed according to my credit file. 
Experian has investigated the XXXX account changing lates from 4 then after verification to 2 lates and once I requested they added 2 more lates to my credit file.
Consumer complaint received 2020-01-19
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. (MN)

The following accounts and credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.
Consumer complaint received 2020-01-07
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. (FL)

I got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.
Consumer complaint received 2020-01-06
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. (FL)

unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (SC)

Ive paid World Finance and the information is still reporting on my credit. As charged off and not paid in full. Ive been disputing this information since XX/XX/2018, and it has still not been resolved.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CA)

I applied for citi bank credit cardXXXX " Citi Rewards+ ( SM ) Card '' at XX/XX/2019 and got approved at XX/XX/2019 XXXX Please see the attachment file ), I did not receive that credit card until now, the citi bank kept telling me " Citibank has received returned mail from the Post Office pertaining to your account. " However, I checked my address which is correct and I also received the debit card from citi bank successfully which means there is nothing wrong with my address. I made couple calls to citi bank credit card department, they kept telling me can not locate my account and just hang up on me. It has already been 5 months after I got approved of the application but I still haven't receive the card, I don't know what to do.
Consumer complaint received 2020-01-06
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)

The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (MN)

Both Real Time Resolutions and XXXX ( XXXX XXXX XXXX XXXX ) have violated ; FDCPA ; Practicing Unlawful Debt Collection ; illegally Attempt to Collect a Settle Debt ; Illegally Attempting to Collect a Debt Not Owed and Falsification of Debt Owed Both RTR and XXXX ( XXXX XXXX XXXX XXXX ) are illegally attempting to collect a settled debt from Case No. XXXX ( XXXX vs. XXXX XXXX ) Filed XX/XX/2008 in XXXX, MN with Settlement Judgement reached XX/XX/2008 and Recorded XX/XX/2008. 

XXXX ( XXXX XXXX XXXX ) illegally misrepresented themselves as student loan collectors from XXXX. Only when my wife and I were victims of identity theft was when I found out that they were collecting on same settled debt from XXXX. They ceased collections after I filed numerous complaints and threaten lawsuit. They were supposed to refund all the money they took from me and never did. 

XXXX has also not been helpful in attempts to find records of this disputed settled debt. In addition to having both the court administrators office and my bank looking for paperwork from 11 years ago.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It's not my account, i never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Consumer complaint received 2019-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MD)

Approximately XX/XX/2019, Santander Consumer USA, once again reposted my vehicle without notifying me of their intent to do so. Further, this occurred after they were notified that I was hospitalized and that I was deemed XXXX XXXX and as a result, a claim would be filed with the XXXX XXXX XXXX XXXX and they would be paying the Note off in full. Since Santander Consumer USA was the lost payee the payoff would be made directly to Santander despite the fact that I had made many payments to Santander that were covered By the claim in an effort to keep my account in good standing and to avoid repossession. I was given inaccurate information by several different Representatives ; including being told that my vehicle had already been sold at auction, after I paid the amounts I was told would be required to recover the vehicle. My request for my case to be escalated to upper management and/or Corporate was never responded to. Further my request to have recorded conversations with Representatives reviewed to verify the inaccurate information I was given and to prove that I paid the amounts I was told would be required. These actions resulted in my inability to have XXXX insurance claim paid due to the vehicle being repossessed and auctioned and and outstanding balance remaining of 0ver {$9000.00}.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

I applied for a mortgage in early XXXX of 2019. Upon doing this, I was told that my information on my credit report from Equifax was wrong. They had my maiden name as my first name, and my first name as my last name. I called them and they told me what documents I needed to send in to fix it & to update my address. I got all of the documents and faxed them in. I was told 7 to 10 business days. After 7 business days, I called to check if anything had been done. Nothing had been. I told them it was for a mortgage and time was of the essence & they said they would put a rush on it. During this phone call I was informed that there was another file in my correct married name, so they would have to merge the accounts. I called back multiple times, getting a different person each time, having to explain the same thing everytime & being told it would be fixed everytime. It was too late to use my equifax credit rating for the mortgage. I wanted to apply for a line of credit. I called again to check and see if any progress had been made. I was told that everything was done, so I called the bank for my line of credit & they did a hard credit check on me. Turns out my files had been merged, but my name was still incorrect, which was the very first reason I needed it fixed. I was denied the line of credit because of incorrect information on my account, and it counted against my otherwise good credit. I called Equifax again, explaining to them, that they had not fixed the issue that I had explained to them so very many times & that they had told me was, indeed, fixed. I was told that another claim to fix it would be submitted, with a rush on it because it was for a line of credit. They told me 3 to 5 business days. I called today for the literal 20th+ time. I was told that only 2 claims were submitted, I was told everytime I called that a claim was submitted, one XX/XX/XXXX and one XX/XX/XXXX, both of which were only to merge my files. Neither one to change my name, which I stated was the issue every single time that I called, which i was told by multiple employees was going to be fixed. Today there were two more claims submitted, so I am told. One to change my name, and one to change my address. I have never been so frustrated and so at  my wits end in my life. I asked multiple employees on multiple occasions why nothing had been done, when I had done everything required by me to fix the issue, and none of them had an answer for me. The service I have received from them has been nothing less than incompetence.
Consumer complaint received 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX+ {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$620.00} Closed
Consumer complaint received 2020-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (FL)

ATTENTION DISPUTE DEAPRTMENT AMERIFINANCIAL SOLUTIONS Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) af
ter the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be con
strued to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Reported : XX/XX/2019 - {$1400.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-01-05
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. (TN)

The account being reported by Equifax in question is XXXX XXXX XXXX XXXX in the amount of {$410.00}. On XX/XX/2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( XXXX XXXX  XXXX XXXX ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ). On XXXX-2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated Equifax credit report of XXXX/2019, the payment status for this account reports as charge off with a balance of {$410.00}.
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (OH)

I was in the process of buying a car when it was brought to my attention. 
The following account are not mine I cant find any contracts for business with this company I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY ( FABCO ) there is a account entry XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt! I would like the see any return checks for business? I demand to see any and all legal documentation connected to this account ASAP!
Consumer complaint received 2020-01-05
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (GA)

Hello, I attended University XXXX XXXX from XXXX until withdrawing from XXXX XXXX XX/XX/XXXX. Initially, I was encouraged to attend University XXXX XXXX as an option to finish my education online. The representatives of University XXXX XXXX shared charts and data detailing their success rate for Job placement, which made me more excited about the opportunity of enrolling. I went through their XXXX XXXX program, XXXX XXXX program, and Started the XXXX XXXX courses. In hopes of landing a higher paying job. While in school throughout those years. I was not offered one job, not a single offer. The only success I had was accumulating Debt, unfortunately. Clearly, the claims they made about job placement and new opportunity were all false claims. I was even showed data detailing their direct contact with XXXX  XXXX companies. I was unsuccessful in any job placements. This story ended with me {$72000.00} in debt. Please help.
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

For about 6 months i have been receiving an 'Unknown ' call to my cell phone. Up to 10 times a day. They never leave a voice mail so I thought it was just a spam call and was frustrated because I could not block the number. Then I started to get texts to contact Comenity XXXX XXXX RE : XXXX XXXX XXXX starting on XX/XX/2019. Again I thought it was spam. 

Today, XX/XX/2019 they left me a threatening voice mail about the status of my account. And that is was 'escalated status that needed to be repaired in regards to this matter and the decision rendered may directly impact you without a response. ' I have no idea who Comenity XXXX or XXXX XXXX are. I have no account with them, never bought anything from them etc .... 

I called the XXXX number and spoke to someone in their call center. I told them I have no idea who they are, don't have an account with them and asked them to tell me what this is in regard to. They would not tell me anything unless I confirmed my address and last 4 of my SSN. I told them there was no way I was going to give them my personal information and that it sounded like a scam. I also told them that they engaging in Unfair, Deceptive and Abusive acts and that I was going to file a complaint with the CFPB and if they called me again they would be speaking to my lawyer. 

They said they would remove my number and not call me again but I want to make a record of the conversation because I have no idea who they are and if they will attempt to ding my credit or anything else these unscrupulous companies may try to do.