davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (GA)

There are accounts listed on my credit file that are fraudulent ... .see list below : Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S  DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against XXXX, TransUnion   and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-23
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: Credit Plus Inc (MA)

XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX XXXX  XXXX reported on credit report XXXX Credit Plus reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IA)

This is the same issue from complaint # XXXX. XXXX XXXX XXXX ( XXXX XXXX ) is still harassing us with trying to collect a XXXX. bill. Now they are using RPM debt collection agency to try to intimidate to collect something we have discussed and finalized with XXXX XXXX XXXX ( XXXX XXXX ) supervisors.Review complaint # XXXX-XXXX  and have them stop harassing us! XXXX XXXX XXXX needs to listen to their recordings from the dates and times I have listed. XX/XX/XXXX at XXXX XXXX. when I talked with XXXX and her supervisor XXXX. I was told that I owed for 2 days service and to return the equipment. They would send a box to return it in. XX/XX/XXXX at XXXX I told XXXX the it wasn't disconnected yet. He said the account was pending disconnection for XX/XX/XXXX. I told him about the conversation with XXXX and XXXX, he said that their was nothing he or myself could do about it. I would get a bill for the full amount, and I would have to contest it. That is what I have been doing for a full year now! This is a scam!!! XX/XX/XXXX the service was disconnected and I talked with XXXX  at XXXX. She said that I owed {$8.00} for 2 days service and that it should have been disconnected on XX/XX/XXXX.I paid the {$8.00}. XX/XX/XXXX I get a bill for the full amount. I talk with XXXX at XXXX and she was going to look into it. She stated there was nothing in the notes from my previous conversations. She would be escalating the complaint and I would get an email or phone call in 24-48 hours. I asked her to put in the complaint notes to listen to the previous recordings. She said she would.I heard nothing back until we get another bill on XX/XX/XXXX. My wife calls XX/XX/XXXX at XXXX and talks with XXXX employee # XXXX and XXXX supervisor XXXX XXXX. They inform my wife that the account is at {$0.00} We hear nothing back. We get a collection notice from XXXX in XXXX. XX/XX/XXXX at XXXX I speak with manager XXXX. She said she will have XXXX XXXX manager listen to the recording on XX/XX/XXXX. XX/XX/XXXX I send an email to XXXX disputing the bill. This is ongoing harassment that needs to stop!!
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Hi I 've been having an issue with navient and the XXXX XXXX and my student loans, I 've been having a hard time getting answers about my student loans. I 've been redirected, hung up on. My loans have been bought and sold adding to the fees and penalties. It 's overwhelming, it 's scary, and it 's been making my life so horrible. I wish I did n't get the fake education from the XXXX. And then have to deal with predatory loans. It 's ruining my life. The XXXX is a sham. And the loan holders do n't give information, they do n't assist in any way. I have XXXX kids and a part time job so I can take care of them. Loan holders are asking for a ridiculous amount. I ca n't do it. And they wo n't help
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, XXXX XXXX have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine. Delete it!! 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX   XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

I opened a new account with paypal to save money for my sons college and to put away money me and a few girlfriends intended on using for business. I have been processing transactions for months with no problem. 2 Girlfriends sent me money to hold while we are planning out our next business move. As soon as the transactions went through PayPal decides I am fraudulent and processing fraudulent transaction with no founded reason and locks my ability to transfer money. They then proceed to send me an email saying they were going to hold XXXX plus dollars for 180 days. They told me they didn't have to disclose why. They just felt like it was fraudulent activity going on? On what grounds not sure. I sent in my Picture ID to verify who I was and everything so not sure about how they came to that conclusion! I am XXXX! And would love some assistance in recovering my funds and never doing any business transactions with them again! Below I have attached the two text messages from my girlfriends who sent the money as verification.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (WI)

XX/XX/XXXX I requested that the ( Chapter XXXX Bankruptcy Acct # XXXX ) be removed due to non-verification that this account belongs to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified that this account belongs to me. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX District of Wisconsin. 

I have proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Lexis Nexis is required by law to provide me the Business name, address, and phone number of the source they verified this account with. I was not provided that I have only been told that from Lexis Nexis, that they are not held by the same guidelines as Credit Bureaus. Which is untrue due to the fact that the FCRA Acts states that they are held to the same reporting laws as the Credit Bureaus. This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Lexis Nexis verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Lexis Nexis that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. XXXX  was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I started receiving fraudulent charges from XXXX in the amount of {$14.00}. I immediately disputed the charge with Citi. I paid the remainder of my bill in full. On XXXX XXXX, I received a credit in the amount of {$14.00} for the dispute. On XX/XX/XXXX another fraudulent charge was made from XXXX in the amount of {$14.00}. I again disputed the charge and had the credit card number changed. On XXXX Citi reversed the XXXX credit and charged me {$14.00} and interest for balance. I again disputed the charge. On XXXX, Citi charged me a {$15.00} late fee and more interest for the balance. I again called and disputed the charge. On XXXX Citi credited me {$14.00} for one disputed item and {$1.00} for a minimum charge credit and assessed late fee and interest of {$15.00} on XXXX. On XXXX Citi again assessed me late fees and interest in the amount of {$15.00}. 

I have made 15 telephone calls to Citi attempting to resolve this issue. The entire issue stems from fraudulent charges to my account from XXXX. I have been assured numerous times by Citi representatives that I am not responsible for the fraudulent charges, but fees and interest continue to accrue.
Consumer complaint received 2020-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient the Federal Student Aid has informed me that on XX/XX/04 two different FFELP Consolidation loans were took out in my name. One for the amount of {$27000.00}. The other amount for {$22000.00}. Documents of recorded amounts the government loans were is included in this complaint with interest and interest rate. 

I need a copy of the government consolidation loans contracts of {$22000.00} and {$27000.00} that are in my name. 

I tried talking to your representative it has been about 2 months.
Consumer complaint received 2020-06-22
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. (TN)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX
Consumer complaint received 2020-06-02
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 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 2020-06-22
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)

Account with Bank Of America HELOC states late payments where there was never one. 
Payment History is incorrect, and I am requesting that this item be deleted in order to adequately reflect my true credit history.
Consumer complaint received 2020-06-22
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Acceptance Corporation (CA)

Original Debtor was medical, with Dr. XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.
Consumer complaint received 2020-06-22
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. (LA)

I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.
Consumer complaint received 2020-06-22
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. (LA)

I have talked to XXXX, Transunion, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (TX)

XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above