davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
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. (CA)

I sent a certified letter to Experian Credit Reporting agency on XX/XX/2019 asking them to verify the collection account listed on my credit report they failed to do so one of the representative stated to me all they do is call the debt collector and ask them the name of the person who they listed as owning the debt and maybe the address and if they can verify your name and address then the debt stay on you credit report and I told him I don, t owe this debt what if my information was used he stated it don, t matter as long as the collection agency have your name and address then they consider its verified and keep reporting it keep reporting it I am so glad they have a consumer financial protection bureau because these people will completely think they can get away with everything I think Experian don.t care about reporting the wrong information on consumer credit report because they get paid to do so I have a fraud alert on my credit report and I asked them to please verify the debt and also to remove the collection that are not mine three companies listed a debt on my report that is not mine please make these company stop reporting information that is not mine and fix all the items on my credit report here is the letter I sent them On XX/XX/2019 which they fail to do so I sent them a letter stating this According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts Action need to be taken Admittedly
Consumer complaint received 2021-12-31
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2020-05-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

HIPAA VIOLATION Alleged amount owed {$300.00} Alleged account # XXXX REMEX INC ... ..In XXXX of 2020 I submitted an AFFIDAVIT to REMEX INC ( copy attached ) for an alleged debt. REMEX responded with a claim of " verification '' ( copy attached ). They have failed to respond to any points of my sworn testimony, however their response itself and continued reporting of this alleged debt is a clear violation of HIPAA. They also failed to provide any documentation that validates this alleged debt.I requested a copy of their Business Associates Agreement.Also their claim of " verification '' can not be accepted without an accurate accounting to provide proof of the amount they are alleging that is owed.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial (MS)

I got a loan from XXXX XXXX  for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. XXXX is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (IL)

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  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 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 five 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-09-23
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)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX  and  XXXX are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-23
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Consumer complaint received 2019-01-31
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 have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 )  XXXX  Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX  Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX    XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-01-31
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)

LetsstartthiscomplaintoffbysayingthatnotonlydoesExperianblatantlyavoidresolvingfraudulentissues,Theircompanyreallydoesnotcareaboutconsumers.IfyouarevictimofIdentityTheft,Theydonotworkwithyoutoresolvetheissue.FirstthingIwanttoaddressthereisanaccountonmyCreditReportforaXXXXXXXXXXXXXXXXXXXX,foraLineofCredit.Thisaccountisfraudulent,thisaccountwasnotopeneduntilmyidentitywasstolen.Ihavealreadyaddressedthiswiththecreditor.Idonothavemembershiptothiscreditunion,(Whichisrequiredtoobtainproductspertheirwebsite)andIhavenotsignedanything.Idonothaveanydisclosures.Didnotreceiveanyoftheirproductsandhavenoteverreceivedanycardsordocumentationfromthisinstituion.Thisaccountisfraudulent.ExperianknewthisandplacedthisaccountonmyExperianCreditReport.TheirFraudspecializedservicesdepartmentadvisedmetheydonotcareanddonotwishtoassistinblockingthisfraudulentinformation.SecondlyExperianrespondedtomylastcomplaintstatingthat"Theyremovedtheblockduetomaterial"misrepersentation''Nowtomethissoundslikeanaccusatorystatement.Experiandidnotprovideproofofsaidinformationtheysupposedlyusetoresolvethis.ThisAccounttrulyisfraud.Ididnotopenthisaccount.NordidIeverreceiveanydocumentationfromthisaccountHencewhyIdonotknowtheaccountnumber.Thisisaccountisdefinitelyfraud.Itwasopenedaftermyidentitywasstolen,andIdidnotifyExperianofthisinformation.ThisaccountisclearlyaddressedonmyLawEnforcementDocumentation,WhichExperianrefusestoacknowledge.Theyareclearlyavoidingallconsumerrightsputintoplacetoassistvictimsofidentitytheft.IamavictimofIdentityTheft.Thisaccountisn'tonanyofmyothercreditbureaureportsbecauseitisindeedFRAUD.IamrequestingthisaccounttobeblockedaspermyconsumerrightssinceIamclearlyidentifyingthefraud,andnotifyingthecreditbureaupromptly.InadditionIamattachingmylawenforcementdocumentationbelow.IhavenotdoneanybusinesswithaXXXXXXXXXXXXXXXXXXXX.IhavefiledthiswiththePoliceDepartmentandtheyhaveacopyofmyLAWENFORCEMENTAFFIDAVIT.WhichIamattachingonceagain.ThisisclearlysomethingExperianischoosingtoavoid.Thisaccountisfraudulent.PleaseblockthisfraudulentinformationfrommycreditbureaureportthatisduetoIdentityTheftwhensomeoneusedmyinformationfraudulentlytoopenthisfraudulentaccount.
Consumer complaint received 2019-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I want to receive my mortgage taxes and interest refund for 100 % XXXX XXXX. XX/XX/XXXX I was declared a 100 % XXXX XXXX. I was notified in XX/XX/XXXX. I took my letter that stated my 100 % XXXX to my county Tax office who filed it which exempt me from paying taxes. They told me to send a copy of the letter to my mortgage company so they will stop collecting taxes out of my mortgage payment which will lower my payments. I kept calling the mortgage company asking them when they were going to reduce my payments. With each call I was told they would talk to their supervisor and get back with me. No one ever did. In XXXX I called and was told they would adjust my payments when they receive my tax bill in XX/XX/XXXX. I called them in XX/XX/XXXX about my payment adjustment and they said they had not received my tax bill. I was told by the Tax office my tax bill had gone out to the mortgage company and they had payed {$790.00} for taxes for XXXX thru XX/XX/XXXX which was before my XXXX rating of 100 %. I called XXXX XXXX back before XXXX XX/XX/XXXX and they told me taxes were paid and it was a good thing I brought it to their attention because I would not have gotten an adjustment on my mortgage. What he said upset me and I asked for my refund of taxes and interest which is over {$5800.00}. As of today, they are still deducting my mortgage payment of {$1200.00} which is incorrect, and we are in the month of XX/XX/XXXX. I called them today and was told they are still processing my payment and {$1200.00} will automatically be taken out of my account for XXXX. I told them to turn off the auto pay, and I want my tax and interest refund. I looked this company up and they have bad reviews and others have had the same problem I'm having.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (MA)

I was going through my credit and noticed that there is a collection on my credit report that i'm not aware of. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other  instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-09-23
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. (FL)

I wanted a copy of my consent, a copy where it shows the account is valid and accurate. They werent able to give me one simply because the account is closed and sold. Its still hurting my report and im unable to continue my studies.
Consumer complaint received 2019-09-23
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. (GA)

XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2020-07-14
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

XXXX XXXX sent the amount of {$1000.00} to XXXX XXXX on XX/XX/2018 through XXXX XXXX XXXX  ( XXXX ). Immediately, Mr. XXXX received a text message from his XXXX  XXXX XXXX account confirming the account will be credited with confirmation number is XXXX. Furthermore, Mrs. XXXX XXXX account reflects the {$1000.00} has been successfully transferred, however, the transferred amount never arrived in Mr. XXXX account. Upon further investigation with XXXX XXXX, we found that another individual had registered Mr. XXXX phone number and linked it to his bank account. Mr. XXXX states he never authorized this. Mrs. XXXX filed a claim for reimbursement, XXXX XXXX confirmation number : XXXX and XXXX confirmation number : XXXX, on XX/XX/2018, however, XXXX XXXX denied the claim on XX/XX/2018 stating they are not at fault. 

I vehemently believe that XXXX is liable and is fully responsible for the amount being sent to someone else 's account.
Consumer complaint received 2019-01-31
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ameritech Financial (FL)

it first started out as the obama student loan forgiveness. then went to ameritech financial. I started paying since 2016 and every month its been {$100.00} every month. I received a letter from federal trade commission stating there is a lawsuit pending with ameritech. i immediately called to find out what's going on. they told me everything is fine that its something that will blow over. notice in XXXX they stop taking money out of account. i called them no answer. I then XX/XX/XXXX them. found out that the CEO was arrested on fraud. So now i'm trying to figure out what's my next step. Because at this point i don't want to pay my school loan back at all. This happen to me twice and im frustrated. i just need to know will i get back my money?