davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

I have been enrolled in an Income Driven Repayment plan for over 10 years and submitted to have my payments assessed to confirm they qualified for the Public Service Loan Forgiveness program. I originally submitted the certification form in XX/XX/XXXX. XXXX XXXX determined that 0 payments qualified from XX/XX/XXXX to XX/XX/XXXX ( payments should have started counting in XX/XX/XXXX ) without providing any reason or documentation as to why not. I called customer service on XX/XX/XXXX to try and determine why the previous 8 years of payments would not qualify despite being on an IBR plan, making auto-payments ( on time ), and working full time for XXXX XXXX the entire time. After being transferred to a supervisor, he appeared to agree with me ( though could not confirm directly to me ) that the previous payments should be qualifying. He said he would put in a new request to review and make a note of what he thought and to a note to try and expedite the process. I have called periodically with customer service not being able to provide any updates on the status of that review. It is now XX/XX/XXXX, 9 months later, and well past the the original estimated 45 days to get any sort of rationale as to why those payments shouldn't count. With the introduction of the Temporary Expanded PSLF program there is a possibility I could apply for forgiveness as early as next month but I still don't know the status of the payments I've made.
Consumer complaint received 2024-05-06
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. (AR)

I have sent in several disputes to Experian on my behalf & they keep sending me stall letters saying they will not investigate my disputes per FCRA law this is not a correct response and my disputes are not being investigated.
Consumer complaint received 2024-05-06
Product: Credit reporting 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. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX  contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-06
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. (NV)

As of my XXXX credit report on Experian XXXX and XXXX. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. XXXX a complaint with attorney general 's office consumer protection as well. XXXX
Consumer complaint received 2024-05-06
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Revenue Recovery, LLC (TX)

Dear XXXX Action Revenue Recovery I called to inquire about the negative they placed on my account. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that Action Revenue Recovery have on file on the account listed below.

I have not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe Action Revenue Recovery or have any contractual obligation to pay them. 
I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Personal information is incorrect, I have never used the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ; for purchase or to obtain credit. 
I have disputed these names with Equifax years ago and was informed that someone fraudulent used bogus names to establish credit ; and that names will be removed. Apparently, matter hasn't been resolved. Please remove from my report.
Consumer complaint received 2024-05-06
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. (NY)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I would like to file a complaint against XXXX and XXXX stating that I did not send to correct information such as driver 's license, security card, and proof of residence. Attached is evidence that this information was sent via certified mail on XX/XX/XXXX. XXXX responded on XX/XX/XXXX and XXXX responded XX/XX/XXXX stating that I didn't not follow proper protocol. Both companies elide to the fact that it wasn't me whom did file the dispute. 

I'm requested each company update my performance information on my credit profile as mentioned in the Personal Information Update Letter.
Consumer complaint received 2024-05-06
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. (CA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$540.00} XXXX XXXX XXXX ( Original creditor : XXXX CA ) XXXX XXXX : {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EXPERIAN XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (GA)

Subject : Formal Complaint Regarding Improper Fraud Claim Review and Lack of Documentation | Dear Navy Federal Representative, I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the improper review of a fraudulent account opened in my name. I believe that Navy Federal has violated several sections of federal law, particularly 12 CFR Part 1005 ( Regulation E ) 1005.6. Also according to the Gramm Leach Bailey Act ( GLBA ), financial institutions are required to regulates the collection and disclosure of private, personal financial information, requiring financial institutions to provide a privacy notice to all customers, prior to entering an agreement to do business, and needs to detail : a. the personal information that will be collected. with whom and where personal information will be shared. how personal information will be used. how personal information will be protected being able to opt out of sharing certain personal information with unaffiliated parties. However, in my case, Navy Federal has failed to provide proper documentation to substantiate their claim that the debt associated with the fraudulent account is indeed my responsibility.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2024-05-06
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)

Collection Account. {$960.00} past due as of XXXX XXXX. Date account was opened was XX/XX/year>. 
I am writing to dispute a closed account that appears on my credit report, as I have no knowledge of its existence, and it is negatively impacting my ability to obtain credit and provide for my family. The account in question does not belong to me, and I firmly believe that its presence on my credit report is unjust and unlawful. The account in question has been affecting my credit score, making it difficult for me to secure loans, obtain favorable interest rates, and access essential financial services. This undue burden has not only hindered my financial well-being but has also impacted my ability to provide for my family 's needs. I request that the erroneous account be promptly removed from my credit report to rectify this situation and restore my financial standing. I am prepared to provide any necessary documentation or information to support my claim and expedite the resolution process. I trust that the CFPB will investigate this matter thoroughly as I have already submitted a dispute to Experian and The Better Business Bureau, and take appropriate action to ensure that my credit report accurately reflects my financial history. Your assistance in resolving this dispute is greatly appreciated, as it will alleviate the undue hardship that this incorrect information has caused me and my family. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I received a credit card from CapitalOne in the mail that I did not apply for. I contacted customer service on XX/XX/23 which transferred me to the fraud department where I spoke to XXXX who was located in Virginia. I stated that I received a credit card from CapitalOne that I did not apply for in the mail. I stated I wanted the account closed and removed from my credit history as I did not apply for the credit card that CapitalOne sent me in the mail. She asked for my SSN which I did not feel comfortable to share with her so she then asked for my name. Upon giving her my name she said she would look into this and proceeded to disconnect the phone call.
Consumer complaint received 2023-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

I sent this company a 609 letter stating that this debt is not mine and that I would like to see a debt validation letter in XXXX when this first appeared on the credit report. This company continues to put this debt on after we have already disputed and clear the debt with the the credit Bureaus before. This is not my debt and I would like it to be removed off of my credit report, due to the fact that is is NOT MY DEBT and also it hurts my credit rating to be able to leverage my credit to get a new home. Please remove this off my report.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. (MD)

I received apparently employment from Paxful Company via XXXX and when I was supposed to work as office assistant I end up working a vendor for bitcoin they ask for XXXX and XXXX XXXX  without telling what for I thought was for my payment but they use clients to pay then we transferred that money to them using those app, but i told them I didn't want to use my account and they did someone send me found today {$500.00} XXXX XXXX and I told them why I was receiving that thru my XXXX account she said sorry. Then she asked me to transferred the money to them in many different forms where it was keep failing because of account, so she gave many accounts from apparently XXXX and they fail too I spoke thru my bank stating that they did pass zelles account that why they fail. They keep calling to send the money or I be in trouble this is very weird, and I think they are scamming people. Please help me they have my information due to i was XXXX for a job
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this 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. This account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$210000.00}
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Capital One account that starts with XXXX.