davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (NM)

This is not a legitimate debt. I have repeatedly attempted to contact the office claiming I owe them money. The office does n't exist. Now, CMRE Financial Services is calling me to collect on this debt that is not legitimate. I tried to explain that to them and asked for my number to be removed from their call list. They refuse to give me any information about where they got the information. I told them I needed it to add to the police report for a stolen identity case and they still refused to give it to me until I confirmed my SSN and birthday. I refused for fear that they too would use my identity.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

During the time my daughter was in college, I opened a credit card in my name with my daughter as a card member. After my daughter finished college several years ago ( she is now XXXX years old ) I allowed my daughter to continue to use the card with the understanding that she was responsible for the charges incurred on it. However, she accumulated a debt balance of more than {$10000.00}. At that point, my husband and I decided to pay the card off and cancel the card. I called the credit card company ( AT & T Universal Card ) and requested that they cancel the card. I also decided to write them a letter requesting that they cancel the card. I did not receive any further communication from them. Last year, 2015, I learned that my daughter was still using the card and I was the primary card holder. They were calling me about a late payment and I told them that I had requested that the card be closed years ago. I further told them not to call me anymore regarding the account. They tried to get me to charge fraud charges against my daughter. I told them that in my opinion, I should be filing them against them since they ignored my request to cancel the account after I paid them over {$10000.00}. They are not going to get at my assets by using my daughter who was vulnerable and still is. The currently has a balance totaling XXXX. My daughter is unemployed at the present time, but I did not disclose this to them. I got the information from my daughter today and contacted them about forgiving some of the debt and they gave me the run around on the phone. I have excellent credit and so far that account has not affected my ability to obtain credit. I have no intention of filing fraud charges against my daughter. They committed fraud as well. They need to be held accountable. I do n't know my rights under this circumstance but I am not responsible for the charges to this card.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In my previous complaint, I reported a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite filing the complaint, I did not receive any documentation or evidence from the company involved. The company in question communicated with me in a manner that I believe is in direct violation of 15 USC 1692c, which restricts the manner and means by which debt collectors may contact consumers. 

I took action by formally requesting the removal of the associated collection account from my credit report due to this violation. However, to date, no response or corrective action has been taken by the company, and the collection account remains on my credit report. 

I am requesting that the company provide the necessary documentation or evidence related to this matter and immediately remove the collection account from my credit report. The lack of response and resolution is deeply concerning, and I seek prompt action to rectify this issue.
Consumer complaint received 2016-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

On XXXX/XXXX/2016 I had called in to request a forbearance be placed on my account because I could not make the payments. During this phone conversation, I also requested that all of my loans be placed on an Income-Driven Repayment ( IDR ) plan. I was emailed the XXXX Request Form and the Income-Driven Repayment Plan Request Form ; XXXX applications were faxed to ( XXXX ) XXXX on XXXX/XXXX/2016. 
I called today XXXX/XXXX/2016 and was told that I am past due on my payments. I was also told that there were no notes made requesting any forbearance or IDR plans.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Name : XXXX  - XX/XX/year> :
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX {$6100.00} -XXXX  # XXXX {$3100.00} -XXXX XXXX XXXX # XXXX {$690.00}
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

A bill for XXXX was sent to me as a debt collection notice from XXXX, out of NJ. I requested proof of the debt upon request for payment. I never received debt validation or a response. I recently receive a another notice about 2 years later from convergent outsourcing INC from XXXX WA trying to collect the debt from the debt collector XXXX I have request debt validation once again via certified letter.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Since XXXX of 2014, I wanted to have my payments due on the XXXX or after my pay date. I have requested this several times and when Capital One transferred the loan to Capital One 360, it became even more difficult to change the date. Finally this month, since 2014, they made it possible to change the due date. I 'm not sure why it took so long for them to do an easy fix. I contacted them, the online service said it would be done, but then it reverted back to its usual due date and once again I 'd pay a late fee.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (GA)

I have submitted police reports and fraud affidavit to National Credit Systems on XXXX XXXX, XXXX the first time and 3 more times since then ; last time on XXXX XXXX, XXXX. I have called their office on numerous occasions inquiring about follow up on the fraudulent account opened in my name. I received various information from different employees of National Credit Systems depending on who was available to answer my call. I was told that my correspondence was forwarded to their client several times and they have not received any communication back, I was told to call back on XXXX XXXX, XXXX to get resolution to this account. When I called today, I was transferred to XXXX XXXX. He informed me that this was the first time he has seen my account, he can see my account noted that there was correspondence received from me ; however, it was not reviewed because the company handles thousands of accounts and can not give individual attention to each account. XXXX also told me that since National Credit Systems have not heard from me via telephone ( which is a blatant lie ), they have not proceeded with any inquiries into my correspondence or the fraudulent account in my name. XXXX could not provide me with any documentation proving validity of this debt except my social security number obtained from my stolen social security card, my date of birth obtained from my stolen driver 's license, and an address which I am assuming is XXXX of the fraudulent addresses reported on my credit report. Upon my further inquiry, he told me I was rude and hung up on me. If my correspondence had been forwarded to their client and the client could actually prove validity of the debt, I am sure I would have received some sort of communication back. National Credit Systems and their representative, XXXX XXXX, are violating my consumer rights by mishandling my credit dispute and false credit reporting. 
I have contacted XXXX who deleted this account from my report for National Credit Systems not being able to verify this account. XXXX is the only CRA still reporting this account and appropriate complaint has been filed for XXXX. My messages to National Credit Systems legal department XXXX XXXX XXXX XXXX have gone unanswered. In 2 1/2 months XXXX National Credit Systems had more than ample time and notice to communicate with their client and resolve this fraudulent account. They need to contact XXXX to delete it from my report immediately.
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (LA)

I have been receiving frequent calls from CommonWealth Financial Systems. Though initially I was unsure of who the caller was because I typically do not answer unknown numbers, one evening I decided to call back in an effort to halt future calls. Once on the phone with someone, they immediately informed me of a medical debt from 2012 that was never paid. I knew this was true, so when they offered me a price to close my debt out at, I agreed. I also requested a confirmation letter so I could have proof of closing out my debt, to which the lady I was speaking with agreed to provide for me. However, instead of sending me confirmation, she sent me an additional bill regarding other accounts I have with them. The problem is that I was led to believe that the large payment I made over the phone was going to close out my debt to them entirely, now they are telling me I still owe them. I never received a confirmation letter in the mail listing the payment I made.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Account Liquidation Services Inc. (ND)

Back in XXXX my home was XXXX and checks were stolen. Fraudulent checks were written and are now reporting on my credit report. There are a total of XXXX checks reporting. The collection agency is Account Liquidation Services. I have provided them with forgery paperwork. All XXXX accounts are still reporting on my credit report and my credit score is being impacted by this. I am requesting that the accounts be removed from my credit report as soon as possible.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I submitted a letter on XXXX/XXXX/16 to all three Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. Portfolio recovery keeps falling off my reports then reappearing saying I owe XXXX dollars to XXXX XXXX but they have not responded to my request for validation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC (IL)

Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the removal and blocking of the following accounts from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts have been compromised and/or associated with identity theft. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00}
Consumer complaint received 2016-03-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I set up a personal checking account with a bank XX/XX/XXXX. I had been " taken '' by a scam artist who wired money into my account, but later, after the account was " purged '' the bank produced an actual check made out to me and had supposedly my endorsement on the back. After the bank and I realized I had been " taken '' the manager informed me that I would n't be responsible for the loss but to make sure that this never happens again.I gave the manager as much detailed information about the man, along with contact information, as I could. I was instructed to file a police report, which I did online and received a case number. THIS IS MY COMPLAINT. XX/XX/XXXX, I went to open an account with another bank and I was declined. I requested a report from ChexSystems, which is who they verify possible new customers information with, and I see that I am on ChexSystems for SUSPECTED FRAUD ACTIVITY, Closure Status : UNPAID Original Charge Off Amount : $ XXX.XX with the bank that I had the issue with the scam artist. This is frustrating because I was told not to " worry about it, just file a police report ''. ( XXXX XXXX PD. XXXX, is the case number ) Well, now I 'm having to " worry about it ''. When I attempt to call their customer service line, I am on hold indefinitely. Luckily, I have an account opened with another bank, which I had opened before this mess, but I should not be in ChexSystems since this was a case of Fraud Activity and the account was purged. I do not have a history of doing such acts. This must be resolved.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/year> I mailed Transunion a letter saying that my online information showing on their website was incorrect. My name was showing XXXX XXXX XXXX XXXX XXXX as well as someone else 's date of birth, and current address. I explained that most of the information shown on the credit report was NOT mine. I tried to go online and submit a dispute, but there were so many things to dispute, that the system would not allow me to finish. Now when I go online, it tells me " must call to dispute items. '' When Transunion mailed me an updated credit report after receiving my letter, they now have my social security number incorrect. In addition to correcting my social security number, I would like to have the XXXX XXXX information on my report removed, because they do not belong to me.