davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

This medical bill is not mines and I have contacted the necessary companies and explain that I would like this information removed due to the hindrance it is causing me. 
In addition the information Is being reported inaccurate on XXXX and XXXX.
Consumer complaint received 2024-05-31
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. (NC)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX SERVICES XXXX
Consumer complaint received 2024-05-31
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am checking on the status of Complaint ID : XXXX. Senior XXXX of XXXX XXXX  sent a letter back stating that the late payment reporting in XXXX and XX/XX/XXXX would be removed from my credit report within 60 days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the XXXX XXXX and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days. Remove late payment. The company submitted an update to the credit bureaus to remove the late payment reported in XX/XX/XXXX last year!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am checking on the status of Complaint ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sent a letter back stating that the late payment reporting in XX/XX/XXXX would be removed from my credit report within 30-45 days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the Vice President and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days.
Consumer complaint received 2024-05-31
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. (GA)

I was a victim of identity theft Again and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 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 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 2023-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc. (NY)

I got a payday advance from this company. when I went to try and pay it back it always said something is wrong with your card. I didnt think most of it at the time because I seen that they were taking small amount out of my account to go towards the loan. When when I noticed they was taking a monthly payment amount of {$10.00} I went to check the app because I know I selected a free subscription. When I go on the app it does say Im under a free subscription but when I reach out they say Im not. But they can not example to me why my subscription says free and Ive sent them a screenshot of my subscription showing free. This company has taken over {$100.00} out of my account. With my subscription as free in the app but saying they see its not, I feel that this is misleading.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.
Consumer complaint received 2024-05-31
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. (MI)

I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-05-31
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. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required XXXX report to the XXXX XXXX XXXX regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KS)

XX/XX/year> Payment Reversal {$7500.00} {$120.00} {$0.00} {$7600.00} XX/XX/year> Payment - {$7500.00} - {$120.00} {$0.00} - {$7600.00} XX/XX/year> Payment Reversal {$71.00} {$89.00} {$0.00} {$160.00} XX/XX/year> Payment - {$71.00} - {$89.00} {$0.00} - {$160.00} XX/XX/year> Capitalized Interest {$32.00} - {$32.00} {$0.00} {$0.00} XX/XX/year> Payment Reversal {$100.00} {$68.00} {$0.00} {$170.00} XX/XX/year> Payment - {$100.00} - {$68.00} {$0.00} - {$170.00} XX/XX/year> Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/year> Payment Reversal {$28.00} {$71.00} {$0.00} {$100.00} XX/XX/year> Payment - {$28.00} - {$71.00} {$0.00} - {$100.00} XX/XX/year> Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} I have been paying my loans on time and I have not realized that my payments were being reversed until I have tried paying for all of them! In the meantime, the company Edfinancials has been charging me interest as if I have not paid any money!
Consumer complaint received 2023-02-14
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)

There are 3 different collection accounts reporting to my Equifax consumer report from the collection agency XXXX XXXX XXXX. I have disputed all 3 accounts with Equifax and in return they were deemed Verified and Accurate which is false. I am currently in violation of my rights because XXXX XXXX XXXX is currently UNLICENSED in the State of Florida to operate as a collection agency and I am Resident of Florida. I verified this information by first visiting website https : //flofr.gov/sitePages/verifyalicense.htm where i found that the company is registered in that State of Georgia. I then went to website XXXX XXXX XXXX  to see what states they were registered as a collection agency in and they are NOT REGISTERED/UNLICENSED as a collection agency in the State of Florida. I have attached the screenshots of the webpages with the licensing information that was listed on sites.

The FCCPA, requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 states 559.553Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555 Referenced from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached my drivers license photo as well to show Florida residency. 

Per Florida Statute XXXX XXXX XXXX is not allowed to collect any debts in the state of Florida and is illegally reporting these 3 accounts to my Equifax Consumer Report.

I have also attached my drivers license/id card and utility bill as proof of residency.
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never lived at the address that fair collection is trying to collect a debt from XXXXXXXX XXXX XXXXXXXX Capital One bank is reporting an incorrect balance of {$470.00} XXXX XXXX is showing a incorrect balance of {$520.00} And XXXX  XXXX  is also reporting a inaccurate balance os {$740.00} All these accounts are in litigation please have them delete these accounts immediately
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

I am currently surveilling my reports as the identity theft breach by XXXX is of one of the worst I have experienced. I currently have 2 protection services alerting me. XXXX has sold my information to a third party in the same month the breach reached me by way of report by XXXX XXXX and XXXX. These 2 sites have reported that all of my information was leaked by XXXX. Credence resource management appears to be a debt collector now on my report allegedly collecting a debt that I do not have validated. This has reached unconscionable heights.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/XXXX and spoke to one of their management team XXXX XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!! 

Instead of ACTUALLY investigating this on XX/XX/XXXX MIDLAND FUNDING LLC responded to my complaint made via the CFPB portal stating that they could not locate an account for me. HAD THEY ACTUALLY read my complaint and investigated my complaint they would have found that the account that was fraudulently opened was done so UTILIZING MY SOCIAL SECURITY NUMBER WITH A DIFFERENT NAME that is NOT ME. MY CONCERN IS THE FACT THAT MY SOCIAL SECURITY NUMBER IS BEING TOED TO A DIFFERENT NAME THAT AGAIN IS NOT ME THEREFORE OF COURSE YOU WOULD HAVE NO ACCOUNT MATCHING MY NAME BECAUSE I NEVER OPENED ANY ACCOUNT AT ALL!! However, this debt is being reported on MY CREDIT REPORT UNDER A DIFFERENT NAME, THAT AGAIN IS NOT ME!! This is my 2nd COMPLAINT TO THE CFPB I WAMT THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS AS THIS DEBT DOES NOT BELONG TO ME.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (FL)

Dear PNC BANK CARD SERVICES, I am demanding the removal of this following charge-off account listed PNC BANK CARD SERVICES, ACCOUNT # XXXX OPENED ON XX/XX/2021. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This is considered an inaccurate account, and this is defamation of character. 

.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capitol One locked me out of my account, and now won't give me access to my credit, informing me that fraud may have took place. When I ask about the transactions they do not tell me. They asked for documents to be sent to them to verify my identity which I did. They still aren't doing anything and still won't tell me what fraud. How am I supposed to confirm fraud if they don't give me access to see it? This is an invasion of my rights and my privacy at this point.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AZ)

In the beginning of XXXX I submitted an application to the department of education to put me on an income driven repayment plan. It was accepted and sent to edfinancial my services. I called for updates weekly if not more. Every representative tells me its processing and it takes 7, 10, or 20 business days. By XXXX its still processing and only one representative was able to tell me that it days information is missing but I dont know what is missing and that maybe I should submit another application. On XX/XX/XXXX I submit another and after 2 weeks reach out. They say its processing and to wait 10 days again. These timelines are not making any sense at this point. A few more weeks go by and the representative says its not been processed let me push it through to processing right now. She cant tell me why for over a month its been sitting without being processed and why this whole time Ive been told its processing but just sitting there or why it didnt automatically go to processing. Today XX/XX/15 I received a phone call that what am I requesting correspondence for when my application is still processing. I said I am very frustrated with this company and what they are doing with my loan information. She says well you stopped your original application when you submitted a second on XXXX and that takes 20 days to process. We are at 28 business days now. Then she tells me they never received an application until I tell her this is not true. She says my last application was missing information but can not tell me what even though the application can not proceed unless every fill in the blank is filled. Now shes found my application but like she said itll take 20 business days. Im getting no where with this company and eventually we will be out of their on-ramp period and this will be effecting my credit because the payment is not attainable for me until it is adjusted to my income. I am getting the run around and honestly no one working here seems to know anything about their job.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services (TN)

There were several student loans taken out in my name in Texas. Starting in XXXX of XXXX I live in TN and I am XXXX XXXX XXXX and have never been to or even attempted to go to college. I called the company ED Financial to find out what was going on and they informed me that someone was using my information in order to attend a school in Texas. I am not sure what else I need to do regarding this. I have contacted Fafsa and they are working on trying to figure this out as well as get me access to the account that has been created so that I have more information. They have taken out over XXXX XXXXXXXX XXXX in student loans.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I take weekly screenshots of my balances after payment is processed. It is shown that the balance for loan XXXX remains unchanged. 
I had a payment scheduled for XX/XX/24 for the amount of {$250.00}. Three of the payments went through for XXXX XXXX, and XXXX. Loan XXXX did not get any money applied nor did it go to any other loan amount. The amount for loan XXXX was suppose to be {$75.00} dollars. 
Loan XXXX is an interest free loan so there is no interest accrued on the account. 
I provided screenshots of my bank account showing the money being removed from my account on Monday XX/XX/24. Only {$180.00} was applied. 
EdFinacial live chat does not work nor the email support option.