davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have been working with FedLoan over the past 2+ years to review 31 payments that they marked as ineligible for Public Student Loan Forgiveness , but every time I or my husband call they say the review is still pending - most recently today ( XX/XX/20 ), and there is no resolution in sight. 

The payments marked as ineligible for PSLF in my online FedLoan account are claimed to be denied due to " No Bill '', " No Payment '', or " Outside Window '' which are untrue. These student loans were serviced by XXXX at the time and I have offered to provide billing statements from XXXX and statements from my bank showing payments processing during the disputed periods, but FedLoan has continually refused this documentation.
Consumer complaint received 2024-08-20
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2020-06-04
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-11-16
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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} XXXXBANKRUPTCYDISCHARGEXXXX
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-17
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXX is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX XXXX. This is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX This is a fraudulent account. I have attached an ID Theft Report. XX/XX/XXXX XXXX This is a fraudulent account. I have attached an ID Theft Report. US DEPT OF ED/XX/XX/XXXX XXXX. This Account does not belong to me. XXXX XXXX. This Account does not belong to me. XXXX XXXX XXXX XXXX XXXX. This Account does not belong to me. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX REMOVE INCORRECT ADDRESS INFORMATION I am disputing the following Address information that is showing for me which is incorrect : XXXX XX/XX/XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX  XXXX XX/XX/XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2020-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, BK OF AMER add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Monarch Recovery Holdings, Inc. (CA)

This account was from XXXX its too old to be on my report, plus in XXXX it was removed as inaccurate they are trading it back and forth from myself to my ex husband fraudulently it needs to be gone now its ov er 7 yrs old
Consumer complaint received 2020-11-16
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. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX   XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-06-04
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. (TN)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uptain Group, Inc. (AL)

Company called and was hateful and harsssing tone and stated I owed debt that I never owed. I was forced to go to XXXX in XXXX 55 miles from my home to contact the business department, phone calls had long wait because of covid. I was forced to expose myself to possible XXXX XXXX by going to a medical building to take case of the false complaint that had been paid. I put myself at extreme risk because of my age and medical conditions to take care of this false debt.
Consumer complaint received 2020-06-04
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. (WA)

submitted a dispute foXXXX XXXX XXXX XXXX, it was not my account someone opened it in my name, experian investigated it and said '' '' it was accurate '' it was opened XXXX it has a balance of $ XXXX never opened this and i don't know anything about it. they won't take it off my report, there never been a payment made on it and if you look at my payment history i have never been late or missed a payment in my life my credit score was in the 800 's and since some one has taken out credit cards and loans in my name my credit score is in the 600's.thank you
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: SN SERVICING CORPORATION (FL)

SN Servicing Corp. has an insurance check they need to sign and send back to me for rebuilding water damage to my home. The check has been there for 2 weeks and all they have to do is sign it. I provided a self addresses envelope with postage. They are holding up the rebuilding of my bedroom, bath and closet. My wife is XXXX years old and is in the final stages of XXXX. This has been very hard on her and myself. SN said they will get get to when they get to it. To me this is elderly abuse .All they have to do is sign it and put back in the mail .They have all required information that they required and yet they sit on the check.
Consumer complaint received 2020-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I AM VICITM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED IDENTITY THEFT COMPLETED AND VERIFIED BY ME. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ARE FRAUDULENT, AS WELL AS THE ACCOUNT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE. PLEASE MY REQUEST TO YOU IS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2020-06-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (VA)

This morning on XX/XX/XXXX, I called Navy Federal about my checking account. I am a XXXX XXXX   XXXX and received deposits for the PPP ( Paycheck Protection Program ) and EIDL from the SBA Coronavirus Aid, Relief, and Economic Security Act, ( CARES Act ) fund. That AID was intended to address the economic fallout of the COVID-19 pandemic for entrepreneurs. So, I was shocked when I spoke with a representative named XXXX who said she could not help me with my account because I owed Navy Federal {$3100.00} from a XXXX that I owned in XXXX. She told me the debt was from XX/XX/XXXX. I  explained to her that this was the first time I heard about it and I have been a member with Navy Federal since XX/XX/XXXX. I have always kept my address and whereabouts known. The account that she mentioned was a Corporate account for a C-corp that I owned. When I moved to VA in XXXX the corporation was dissolved. 

In XXXX, I started a new corporation here in VA called XXXX XXXX XXXX XXXX - new tax ID, This current entity has nothing to do with my dissolved corporation. It is not even in the same line of work. When I asked to speak to her supervisor, a man called XXXX, he was very defensive and said this is the money that I owe Navy Federal. I explained to him that I was never notified and never received even a letter or phone call. I've had my personal account since XXXX. He was adamant in keeping my money as well. I explained these funds are earmarked to provide for payroll. I said if it is seized then I will have to pay it back with interest, plus it won't be used as it was intended. He was very rude. 

I even asked if he could even go after an uncollected debt after the 6 year time limitations had past. He did not care and hung up. 

When I checked my account thereafter, sure enough {$3100.00} was gone. This is my personal account. My taxes are reported on a Schedule C. I believed that bonafide corporations shield their directors from personal liabilities. Even if I wasn't shield from such liability, I was never notified of the debt. Now, I suffer a triple whammy - limited funds to pay myself and contracts, no way to have he {$3100.00} forgiven and more debt to repay with a business I may not be able to keep because I don't have enough funding. 

Will you please help me?
Consumer complaint received 2020-06-04
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. (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. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian is still report an old account that's reporting negatively on my credit report. I call XXXX XXXX XXXX XXXX and spoke with a rep by the name of XXXX on XX/XX/2020 at XXXX XXXX. XXXX confirmed that the account is outside the statue of limitation so they advised all three bureaus to delete the account. Both XXXX  and XXXX  have deleted the account but Experian will not. I spoke with XXXX from Experian dispute dept on XXXX 's team and advised her of the information that XXXX provided me but she refused to do anything to help resolve the issue.
Consumer complaint received 2019-04-29
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. (CA)

two accounts ( XXXX AND XXXX XXXX ) accounts are reporting under my equifax credit resorting agency, these accounts are fraud accounts opened under my name, i have been disputing these two accounts for the longest times, the equifax representatives are not helpful at all, they are not disputing correctly or they do not even dispute at all. 
please you are my last hope in this regards.i will be attaching my police report which has both accounts mentioned. 
appreciate your help. 
thank you