davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alum Financial, LLC (NV)

I was called by Alum Financial a loan consolidation company that acts as a servicer for student loans as well. They told me I was approved for loan forgiveness of {$6000.00} on my consolidated loans from XXXX down to XXXX if I started making monthly payments of {$150.00}. I made a total of four payments to them none of which were reported to the Federal Student Aid or my appointed servicer XXXX  ( whom of which I just found out is my official servicer appointed to my by the FSA ). It still showed my total amount owed before I started making payments as still the same. I asked them where my money is going and they sent me a receipt for my payments while avoiding two of my questions. I contacted the Federal Student Aid as well as XXXX both whom which told me they had never heard of Alum Financial. I was also told by both companies to contact my bank and stop all payments to them. So I stopped making payments. I recently received an email from Alum Financial that stated this could damage my credit and and garnish my wages if I did not update my bank information. After contacting them about this matter they said my loan would be paid off after completing the XXXX payments I owe them. They threaten late fees and fines for missed payment and was told by the FSA that no official servicer would ever charge fees of fines. I don't feel comfortable sending them anymore money and I would prefer to work with my servicer that works with the Federal Student Aid office.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MD)

XXXX XXXX, I hope that you and yours are all doing well. I sent Binance approximately $ XXXX of XXXX and XXXX for the purchase of XXXX coins through the binance.com portal. I only see {$1800.00} in XXXX, XXXX, and ETH coins in my Binance wallet. The amount should be many times that amount. Their customer service support is not adequately responding. 

Would you kindly call me at XXXX. Thank you. 

Warm Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-24
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. (NJ)

I submitted valid Identity Theft # XXXX reports back in XXXX. I also submitted letters expressing my issues with the fraudulent accounts. I contacted the creditors and they were unable to validate these accounts. I am requesting validation of these accounts under the FCRA. I requested my signatures from the creditors and they have failed to produce signed documentation. I went to the NJ Police department filed a complaint. I contacted each credit bureau and they have not removed the fraudulent items.
Consumer complaint received 2024-03-22
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. (VA)

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, XXXX, and Transunion data breach.
Consumer complaint received 2024-03-22
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (AZ)

Express Recovery is reporting erroneous debts on my file that need to be removed. I have sent letters months ago stating that I needed validation and have yet to receive anything. I will attach the letter below but as stated not providing validation requires you to remove the accounts. This can also be considered fraudulent under both federal and state laws remove immediatley as the 30 day period has passed.
Consumer complaint received 2021-06-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

The company did not have permission to contact me.

The company did not satisfy my request to validate the date as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Commission for debt collector if collection efforts are successful.

I did not receive response to my request within 30 days. ( Validation letter was not provided until XX/XX/21, electronically and only in response to my CFPB complaint. )
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-05-09
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. (CA)

I am writing to request the removal of the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or consent, as a result of identity theft and fraud. As such, I am requesting that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove fraudulent inquiries from a consumer 's credit report. As a victim of identity theft and fraud, I am entitled to have these inquiries removed from my credit report.

I have already taken steps to address the identity theft and fraud, including filing a police report and notifying the relevant financial institutions. I am now requesting that you take action to remove these fraudulent inquiries from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (FL)

On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.
Consumer complaint received 2021-06-24
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. (FL)

I am writing to you regarding accounts that do not belong to me. I checked my credit score recently and found out the items that are not mine. I want to complain nd ask you to check these accounts because I am very stressed to have them in my profile. Therefore I kindly asking you to delete them from my profile because they are not mine. 

Best Regads.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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: Experian Information Solutions Inc. (TX)

My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points.

For example, XXXX and XXXX  will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points.

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but XXXX  and XXXX  take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!
Consumer complaint received 2023-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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. (FL)

I am writing to you regarding accounts that do not belong to me. I checked my credit score recently and found out the items that are not mine. I want to complain nd ask you to check these accounts because I am very stressed to have them in my profile. Therefore I kindly asking you to delete them from my profile because they are not mine. 

Best Regads.
Consumer complaint received 2021-06-24
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. (FL)

I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD
Consumer complaint received 2021-06-24
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. (FL)

I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

XX/XX/2021 I sent National Credit Systems a debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

XX/XX/2021 I sent National Credit Systems a subsequent debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

XX/XX/2021 I sent National Credit Systems a default debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

I have not heard anything from this company and they continue to report an account that is invalid to the credit bureaus.
Consumer complaint received 2023-05-15
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-15
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
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. ()

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Experian account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.
Consumer complaint received 2024-03-22
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these itemsin accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-03-22
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. (GA)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (AL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX