davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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: I.C. System, Inc. (TX)

Company or Organization : XXXX XXXX  {$950.00} I.C. System, Inc {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XX/XX/XXXX all hippa and FTC violations
Consumer complaint received 2020-05-01
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. (MS)

I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. They referred me to XXXX XXXX XXXX. XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.
Consumer complaint received 2020-05-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Hello - My name is XXXX XXXX phone no ( XXXX ) and I received a Important Legal Notice of a claim from Mass of Commonwealth Superior Court of a settlement on my part. XXXX XXXX. Navient Solutions , LLC with a claim form to XXXX  I'm a little bite worried this claim maybe fraud. Please advice
Consumer complaint received 2020-05-01
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)

I am a victim of identity theft. I have requested for Experian to investigate into some existing Fraudulent accounts on my credit report. I have supplied Experian with a copy of my police report, FTC report, requesting for fraudulent activity to be suppressed. Experian CB has failed to comply with FCRA in reference to victims presenting with identity theft.
Consumer complaint received 2020-05-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-01
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. (OR)

ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} XXXX
Consumer complaint received 2020-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

Navient is very deceitful. I have paid over 18k of interest for my 30k federal student loan. And they are telling me I still owe 30k of the loan. They give me very limited options for paying back the loan. They also do not give a timeline of when I should pay off the loan or how much I have left in my term. This whole thing does not make sense. I already have paid off XXXX 20k plus car loans but I can't pay my XXXX student loan debt. because of the high interest and long term student loan terms? This does not make sense. Please Help! call me XXXX! XXXX
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (PA)

I am a XXXX XXXX XXXX. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX county of Pennsylvania. My business is closed since XXXX of XXXX. I applied for SBA loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get EIDL loan which is given to small businesses because of these credit score agencies. Sba lenders dont give loans to small businesses if you have a score under 640. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, XXXX, XXXX  and experian. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.
Consumer complaint received 2023-11-23
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. (OH)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BOEING EMPLOYEES CREDIT UNION (GA)

On XXXX, 2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IL)

Dear Consumer Financial Protection Bureau, I was a victim of identity theft in XX/XX/2019 ( attached is the police report ). The unknown perpetrator fraudulent took out a Cartier credit card administered by TD bank. TD bank was extremely difficult to work with to get the fraudulent account removed. The Fraud Specialist never returned my calls and I worked with the merchant Cartier to resolve this matter and received a letter from them this was Fraudulent account and it has been removed from my credit report after going through excessive lengths. 

Then, after all this I received collection calls from TD bank even after telling them to stop. I am requesting you to look into their practice. 

Attached is verification of being on the National Do Not Call Registry, Documentation this debt was resolved but still received collection calls, police report, letter to TD Bank ( Cartier ),
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Im upside down by XXXX  % I have tried to trade down and to no avail .Numerous times I have tried to contact the dealer but didn't respond.Recently I contacted XXXX XXXX and their response was cold and rude as if I didn't exist.They wanted my address to pick the car up only to extent with a late fee the payment .I explained my income is at halt due to the health crisis and it effects me most because Im in the XXXX field and limited if at all my income is not as reported now it is limited to fixed and i will not make it at this rate. At the inception of the loan the income report the dealer gave is not correct it was inflated.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc. (CO)

I received a letter from NCTUE on XX/XX/20 stating that a negative entry had been made on my data report. 

I have made repeated calls to their automated system to obtain that report and the process fails every time. It has me input my social security number and the numeric portion of my home address. Each time the system tells me that my data report has been located and then says that " There was a problem processing your request. Please try calling again later. '' I have called several times this week with the same result. They provide no other means of contacting them other than via the useless and broken automated system. I have a legal right to that data report and their incompetence is denying me that information.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I contacted a company called XXXX XXXX XXXX on XX/XX/2020 about a special they advertised online for the {$390.00} pool. I spoke with a rep named XXXX and I asked her about the special. She explained to me the size of the pool and asked if I was the owner of the home. She told me that she could schedule a consultant to come out and give me more information about the product and to let us know about the installation process. She asked for my name, address, and date of birth to show that I was over 18yrs of age. She then scheduled an appointment for someone to come out on XX/XX/2020 to discuss the special for the {$390.00} pool. Once the call ended I searched online about the company and saw that they had several bad reviews. I immediately called the company back to cancel the appointment. On XX/XX/2020 I received a credit alert from Experian and it said that the company XXXX XXXX XXXX had conducted a hard inquiry on my credit report. I was very upset that they conducted an unauthorized credit check. I never gave them my social and they never even asked or told me anything about they were going to have to do a credit check. I then tried to contact the company by phone, but the phone just rang and rang with no answer XXXX. I contacted Experian and spoke with a rep named XXXX who states she couldn't dispute the information on my credit report and that I would have to contact the company and ask " Why did they run an unauthorized credit check? '' This company is bad business just like everyone one else is saying online. They are conducting unlawful practices and they need to be stopped!! I am so glad that I cancelled the appointment within 10 minutes of scheduling it.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

After receiving a notice from my credit monitoring company. The information states there is a new negative item reporting on my credit report. After reviewing the item, I immediately contacted the collection agency at the number provided on my credit report. I informed the collection agency I do not owe any moneys toXX/XX/XXXX. I also asked the collection agency to please provide any signed authorized documentation proving the debt is mine and the alleged final bill, which required by law, sent to consumer prior to sending debt to collections. I have not received validation of debt!
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (TX)

The Receivable Management reported to all three bureaus back in XX/XX/XXXX, I reached to them and sent a debt validation letter and no response. They started calling again and told them the debt was paid and to remove their reporting. Beginning XX/XX/XXXX they start calling again, I sent another debt validation letter and waiting for a response. I have attached the letter to this email.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

There is an unauthorized inquiry on my report that I would like removed. I am unaware of its source and request it be deleted from all three credit bureaus. Inquiry dated XX/XX/2019 XX/XX/2019
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (MD)

Call my place of employment, here is part of the message left on XX/XX/2021 : " Hello, this is Harrison Harris limited. We are debt collectors, please call us at XXXX. Our office is open Monday through Thursday from XXXX, XXXX  to XXXX XXXX  Central standard time Friday from XXXX XXXX  to XXXX XXXX  Central standard time and Saturday from XXXX XXXX  to XXXX XXXX  Central standard time. Thank you. ''
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file
Consumer complaint received 2023-11-23
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. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX  -I WAS NEVER LATE ON THIS ACCOUNT AND ITS REPORTING INACCURATE THE COMPANY IS REPORTING 3X LATE THE BUREAU IS REPORTING 30 DAYS LATE.PLEASE REFERENCE FILE # XXXX IS REPORTING CURRENT PAID AS AGREED.ACCORDING TO FCRA THIS IS A VIOLATION.THIS NEEDS TO BE REMOVED.I 'VE CONTACTED XXXX NUMEROUS OF TIMES AND SENT IN AFFADAVITS THEY REFUSE TO INVESTIGATE. THEY ALWAYS SAY VERIFIED, ACCURATE BUT NEVER PROVIDE ME PROOF. 
XXXX XXXX XXXX, LVNV FUNDING, XXXX XXXX THESE ACCOUNTS ARE CLOSED ENDED ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, HAVE NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS VIOLATION THESE THINGS SHOULD BE REMOVED IMMEDIATELY! 
DATE LAST ACTIVE, DATE OF LAST PAYMENT ALL THIS IS INACCURATE AND AFFECTS YOUR CREDIT
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.
Consumer complaint received 2020-10-25
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. (MN)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX. 


XX/XX/XXXX Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1400.00} Payment Info Original loan amount {$1000.00} Balance {$1400.00} Status date XX/XX/XXXX. 


These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and removed.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Last year I rented my apt to various people as XXXX. During that time when I arrived home several months ago I noticed that my credit report had a credit card from SYNCB ASHLEY FURNITURE. I immediately contacted them and they said not to worry that I would not be responsible for the opening of the fraudulent card and transactions. I also need to note that the ironic part is that the fraudulent credit card shows that payments were made and they even had the furniture delivered to the apartment I was renting. I later found out that payments were being made moreover so I would not notice that the fraudulent credit card was ever opened I would have to guess. I received a letter from SYNCB stating the fraudulent credit account is being removed from my credit report and I would have to wait 60 days. Upon the 60 days I received another letter finalizing my dispute and being that payments were made I am responsible for an application I never authorized or approved.
Consumer complaint received 2020-10-25
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. (VA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

I have a Citicard that is currently in forbearance due to Covid. My credit is good and I call them monthly. Just got email they are decreasing my card limit to amount I owe. This will hurt my credit score will be at 95 % use of card. Card was at XXXX limit. I owe about XXXX. Now they're decreasing card limit to XXXX effectively closing this card for any use. They have horrible customer service even though I've been in good standing over 20 yrs and am a XXXX. They did this to me last year too and harmed my credit. I thought with Covid card companies were supposed to help consumers? No other card company has done this just Citi.