davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (NY)

account takeover fraud, ID theft etc.recent recurrence, corrections needed in order to change personal info for safety-FTC, iC3 & police info below : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXXXXXX? XXXX name should be listed as XXXX XXXX ONLY-no variations XXXX XXXX XXXXXXXX cards ( 2 ) -unauthorized charges already resolved w/ local police & FTC XXXXXXXX XXXX Card-account takeover fraud XXXX balance, never late , not a charge off=see FTC/police reports & immediately correct XXXXXXXX XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct XXXX  XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct
Consumer complaint received 2018-04-05
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)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 following items : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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. (LA)

Greeting Please see attached FTC Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings to whom it may concern, Credit Bureaus are not accurate and just putting anything on credit and refuse to correct. 

Dispute 1 Late Payments Please see attached all documentation. 
Please look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is wrong and needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Experian : Please investigate and mark paid as agreed. 

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 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
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and want only true information about me reporting and it is also hindering me from getting lines of credit. I have highlighted the discrepancies. Please remove this inaccurate information as you are in violation.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (GA)

It appears I owed {$33.00} to XXXX XXXX, a durable medical equipment company. XXXX did not send me ANY billing statements but sent the {$33.00} to collections. I attempted to order replacement items for my health and was told I could not due to the balance. I paid it immediately- as I always do - but still have not been able to order my medical equipment. I later received a letter from ARstrat, a debt collection agency. 

The law requires a patient receive numerous billing notices before sending an account to bad debt collections. XXXX XXXX violated these laws and other statutes.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XXXX I noticed an auto loan showing up on my credit report from XXXX XXXX XXXX, I have never applied for an auto loan with XXXX and it was showing as a charge off account. I filed an XXXX report immediately on XXXX and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a XXXX report and sent it to the credit reporting agencies. I contacted XXXX directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.
Consumer complaint received 2023-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AP)

I have a private student loan that I obtained in XX/XX/2004 for the amount of {$12000.00} thru Navient. 
At the time I requested the loan I had a little over a year of XXXX XXXX service in the XXXX. I was enrolling in XXXX XXXX university at the time. This loan was first experience for me and my husband applying for one, the school fees were not completely covered by the military tuition assistance so the school more than suggested pressure me to obtain a loan, of course I did not know anything about loans, also I was newly arrived to the US and English not been my first language make it harder for me to understand the paperwork but I was so eager to start school that we sign the paperwork. 
The Loan has an interest rate variable at this time of 17.875 % and I still own over {$10000.00} but I have already paid {$38000.00} throughout the years. 
Because it was private and not federal there are not many options. I contact them in the past and they offer me the defer payments that the only thing it did was to increase the amount I own. I just contact Navient again and they requested my orders to be reviewed for a possible rate reduction. In the past I have done this but it did not work. 
I'm very frustrated how things turn out, completely my fault, but the school and loan officer were placing a lot of pressure for us to hurry up and sign. I have about three years left of XXXX XXXX and I still can not repaid this loan. I will send my orders to them today but any help or suggestions from the CFPB will be appreciate it. 
Thank you so much.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  The evidence of this hard inquiry was requested and in fact that is not my signature or handwriting and I reiterate that this was identity theft and was used without my consent.
Consumer complaint received 2023-04-21
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have 2 credit cards with Huntington Bank. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in each account all above the minimum amount owed. My statement comes out on the XXXX of each month. I received a notice that my XXXX payment had not been made. I contacted the bank to tell them that I had made my XXXX payment XX/XX/XXXX, two XXXX payments XX/XX/XXXX and XX/XX/XXXX and my XXXX payment on XX/XX/XXXX for each card. They said that since I made the XX/XX/XXXX payment two days before the statement came out it could not be put towards my XXXX statement and the XX/XX/XXXX payment would have to count towards XXXX. When I complained they said they could not do anything about it. I spoke with the credit department, a supervisor with the credit department, and two personal bankers on 2 occasions. I was given the runaround on each occasion. I got a {$27.00} fee for each account, inexplicably they refunded the XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX, reported 2 missed payments to the credit reporting agencies and lowered my credit limit " due to poor credit '' because of their reporting. I was out of town much of that time due to the holidays so I was trying to be proactive with my payments leading up to the holidays now my account is a mess, my credit has been lowered and my credit score is also a mess.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (WI)

Vanilla Gift Card, was not able to be used. Have tried to contact card holder using XXXX # on back, automated loops me around then sends me to customer service on hold with repeated recording for XXXX min first ( XXXX ) try, XXXX minutes other try ( XXXX ) tried another number on website, same process, same problem. No one picks up. Tried to look up information on line, states error try again later, attempted this method six times. 

I used internet to try to track the issuer of this master card gift card it leads to Incomm Financial Services, tried their number it flipped me back to Vanilla Gift. This card should have XXXX on it. I can not get a history, can not get a balance and can not use the card. 
I have the receipt where purchased, along with the activation information. I would like to have my money returned. If for some reason there was a scam or scimmer I would like to file a claim and have my money returned. 

Perhaps you can reach someone who can assist. I will write a letter, but need to know if Incomm in XXXX is in fact the issuer for this card.
Consumer complaint received 2018-09-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Bank Home Mortgage took my house illegally even during a bankruptcy to stop the sell. Rather than correcting the error they allowed it to be sold at auction. I have been reporting this error since XX/XX/2015. Each time I reported this to the bank I was told that it's in review. The review was done by employees of the bank and I don't trust them. I was never given a chance to show them that the fault was within the bank. 
I have document that show I was targeted by the bank, they been working to take my home even though I paid my mortgage on time each month. I was never in default until they refused to take my payments. 
Now to cover they wrong they report that it was a computer glitch. Even in the wrong I'm still hearing about this review. I don't believe this has anything to do with a computer glitch at all. This is another one of their cover up of their lies and deceit.
Consumer complaint received 2023-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC # XXXX has violated my Consumer rights by illegally attaining my Nonpublic personal information and has furnished my Nonpublic personal information with third party affiliates with is a violation of 15 USC 6802... .Furthermore, this company does not have consent to use my Nonpublic personal information which is Identify Theft, I never signed any contract or have any agreements with LVNV Funding. LVNV does not have the right to furnish a debt with Consumer reporting agencies...
Consumer complaint received 2023-05-11
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: ERC (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (MD)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-03-18
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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (NE)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (PA)

Someone had two access accounts in my name ending in XXXX & XXXX and a savings ending in XXXX. I did not open this at all I was not even XXXX XXXX XXXX it's no way that I could've had an account by myself.