davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I am submitting to follow up on my previous complaint dated XX/XX/2023, expressing my concern regarding certain accounts listed below. As reiterated in my initial complaint, I have no transaction history associated with the accounts mentioned, and I kindly request your assistance in promptly removing these accounts, along with any incorrect information, from my personal profile. The listed items are as follows : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Account Balance {$0.00}. I emphasize my adherence to the law and kindly request that you ensure the removal of these inaccurate accounts. I anticipate an updated result within the next 15 days for my credit report update. I trust that this matter will be addressed promptly to avoid any further inconvenience. To facilitate the process, I am providing additional verification documents, including my Bank Statements, Drivers License, and SS ID, all confirming my sole address. Additionally, I am re-attaching a copy of the identity theft report ( FTC report # : XXXX ) for your reference.
Consumer complaint received 2018-08-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (AZ)

Ive made Ally Financial aware that due to a divorce and reduction in income i was having difficulty making payments on my vehicle. Although they have issued 2 payment deferrments in the past, i feel based on the circumstances they should have considered lowering the payments temporarily to allow me a chance to get things caught up. Their representatives have been extremely rude and uncaring, only interested in collecting money. Not all of them, but most.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written Transunion on XXXX occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per 15 U.S. Code 1681b. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (KS)

On XX/XX/XXXX, I sent a letter to Credence Resource Management requesting validation, not verification of a debt they claimed I owe. In this letter I requested that they send me a list of items to validate this debt in reference to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 { b }. I received quite a bit of letters from Credence Resource Management stating that they validated the debt as accurate ; however, they failed to provide me with the proper documentation to support this accuracy, but instead they continued to send me an itemized statement of a bill. This however does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In response to these letters I sent another letter to Credence Resource Management certified on XX/XX/XXXX requesting that they remove this inaccuracy of this debt from my credit report due to the FCRA act stating that they are not allowed to report inaccurate information on my credit report. I have warned them of taking legal actions against them if they can not comply to these regulations. As of XX/XX/XXXX, I have not seen any deletion of this debt and they continue to report the credit bureaus of this unverified debt.
Consumer complaint received 2018-08-30
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. (PA)

XXXX XXXX XXXX appears on my credit file as a XXXX XXXX XXXX   XXXX  in which I did not apply for. I'm not trying to hear the XXXX about Experian owns or merge or what ever lie XXXX XXXX is running. Now its XXXX XXXX XXXX all it is a scam by Experian as well as XXXX XXXX XXXX. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the XXXX XXXX. I opt out with Experian in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (NC)

RE : Account : # XXXX After formally disputing the collection account referenced above ( that does not belong to me ) with Financial Data Systems & the credit bureaus, I filed a complaint with the Attorney Generals Office against the debt collection. The correspondence from Financial Data Systems, dated XX/XX/XXXX, to the Attorney General office  stated that they had enclosed information in regards to what they sent me & attached a copy of the financial agreement form dated from the alleged time of service, XX/XX/XXXX XXXX, however I did not sign that agreement & the Signature of Patient section is completely blank, no one signed it- including the alleged witness! 
The company continues to claim that the collection account is valid & my responsibility, however it is impossible to validate any account if the financial agreement is NOT signed by the patient/consumer ( or anyone for that matter ). 
There is no legally binding contractual obligation verifying I am the one responsible for the alleged amount owed ( {$410.00} ).
Consumer complaint received 2018-08-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

Said I have 3 months to stay or go and they said the government will help me with the payments I was there for 2 months and I had to drop out due to daycare which they also said I will be helped with also on my credit report I have debris disputes about the same account
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CO)

Seeking pre-approval for home loan discovered debt of {$300.00} to Radius Global Solutions. Remember receiving phone call from someone claiming I owed them money months ago. Told individual on phone if I owe them money to send me a bill in the mail or email as all businesses do. Never received any email or mail regarding so. Assumed it was a scam. Still think it is. I have no documentation to upload as I have recieved no documentation of debt owed from said company.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX   ) XXXX XXXX XXXX ( XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX  ).
Consumer complaint received 2023-04-12
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXN XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (GA)

XX/XX/2020 two accounts was opened fraudulenty. Criminals used the accounts and ran it up fraudulently. I called and had the accounts closed when I finally found out. But their still reporting on the credit bureau files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (MI)

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : JH PORTFOLIO DEBT EQUITI INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

JH PORT DEBT {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX JH PORT DEBT 12 XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details JH PORTFOLIO DEBT EQUITI XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-20
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. (TX)

l was traveling abroad and went to a restaurant/bar. The bill was high, but since this was in XXXX I approved a transaction for {$520.00} on XX/XX/2018. This charge never posted in my account. However, 8 charges totaling {$3600.00} posted on my account under a different name in XXXX XXXX XXXX, but with a merchant called XXXX. 

Citi fraud department gave me credit for the fraud transactions ( XXXX 's statement ), but they reversed the credits a month later arguing I had provided my card details to the merchant. ( Because I mentioned the transaction that didn't post ). They also said that even though the charges were for a place called XXXX ( which I never visited ), this business belonged to the same company that I went to, which name was XXXX and that's why they reinstated the charges. They also said I didn't reply to the investigator when he attempted to contact me. I didn't reply to a phone call that I found out was from the investigator, because it was not a call from a bank number. I searched this investigator 's number on the internet, and the description showed as a spam number and not an official Citi line. I did reply in writing and by email responding to the questions they asked. 

Since Citi fraud reversed the charges, the investigator referred me to the Billing disputes department, and told me they had to handle the case because they do not consider it fraud. Billing disputes was able to get a hold of copies of receipts of the transactions in question and asked me to provide a response about these receipts. I responded stating that the signatures in those receipts were not my signature. Not only they were not mine, but they were all different. Billing disputes said that since the signatures were not mine, this was fraud, and the fraud department had to credit me for the unauthorized charges. The correspondence from Billing disputes to Fraud department states I declared my card lost or stolen, which I never did. I said there were unauthorized charges. 

I have been back and forth with this two departments without a resolution. It says I am not liable for payments for unauthorized charges on my account, but Citicards is keeping me in a never ending loop that is not getting a resolution.
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

I would like a schedule of payments that shows remaining balance on the loans and an expected payoff date. When I went to studentaid.gov I noticed my loan information at MOHELA doesn't match the loan information at studentaid.gov. One shows 14 separate loans, the other shows 10 separate loans. MOHELA 's website is very difficult to navigate and the information looks suspect. Every time I have tried to get in contact with them through their website " contact us '' page, I get the following message : " MOHELA is currently closed and unable to respond to your email at this time. We offer several self-help tools and access to your account information 24/7 online. You can also visit StudentAid.gov for general information or log in for information regarding your account. '' The self-help tools are not helpful for my needs, and the studentaid.gov site just refers me back to MOHELA.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CT)

Sent them a debt validation letter. Did not receive any information to confirm debt is owed to them ( I am 100 % certain I do not owe this company ). Instead of validating it they put it on my credit report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TX)

On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX  as well as Navient informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative. 

XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXX  XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is and confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is and confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (VA)

My mother was contacted from this number XXXX XXXX XXXX then given XXXX XXXX XXXX for me to call they told her they were attempting to collect a debt as well as advising her of the amount I owe and what they would settle for. They went and told her that they will be taking me to court if I do not pay it by end of day XX/XX/XXXX. She sent me a picture of the information given to her. 
When I called this lady XXXX I asked if she was allowed to give my information to my mother since I am an adult now and was an adult in XXXX and she said yes. She stated my mother gave her my date of birth and social security number. My mother denies giving any information as she does not know my social security number. The loan was taken out in XX/XX/XXXX and charged off in XX/XX/XXXX. I had asked why had I not seen it on my credit report, XXXX stated it will be if I did not pay today XX/XX/XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My information was part of the Equifax data breach in 2017 and I requesting all information and accounts on my Equifax credit report be removed due to this breach from 2017 to present day. I am seeing information for accounts I did not apply for or acquire. Some of these accounts have been turned over to collection agencies, and I am getting constant phone calls, text, emails and mail from these companies. Please have this fixed and all item removed as I have has no luck removing them myself.