davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A. (SC)

Received a letter in the mail stating I owe {$100.00}. After speaking to the practice and the billing company for the practice, both stated I do not have a balance and they are not aware of who this law office is. I left two messages for the law office to call me, no return phone call. No one answers at the phone number listed and I also tried another phone number that goes to a voicemail.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (LA)

Consumer Report Ref # XXXX XX/XX/2020 My insurance company XXXX XXXX sent me a letter that said my license had been suspended or revoked in the past 36 months due to your companies report. My license has not been revoked or suspended in the past 36 months. 
I need this to be looked into on your side and a reinstatement letter of the inaccurate evaluation sent as soon as possible. 
XXXX XXXX Louisiana Drivers License # XXXX They have my last name as XXXX but that is not the name on my license, I told them I have not changed my last name but how YOU pulled up a suspended or revoked in the past 36 months under the name XXXX XXXX is very unusual because that is not the name on my license. Please be advised that this has caused me to have to go to another underwriter for auto insurance that has raised my premium around {$200.00} a month. I will be patiently waiting for the response on this matter. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (SC)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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. (MD)

My current score with Experian is over 100 points less than XXXX and XXXX. Nothing is ever updated, not paid accounts, not on time payments nothing. In the past year it has changed maybe twice. When I called to ask why they arent updating my information and why are they the only credit company not doing so, the representative told me they dont know and to wait. I understand that the scores from all three would differ but at a XXXX point gap, that is egregious and without any explanation. No agent has explained why and Im wondering if this is discriminatory. I need this investigated and rectified. In addition, Experian has Experian boost. I have tried to link my bank and they didnt have it, but stated it would be available within a three month period so I could update it. This was a year ago. They still havent included the bank and when I call, the agent, it seems, didnt know. Once again.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the disputed items will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION (OK)

After having my phone service hacked and my bank account defrauded, I have received XXXX credit cards that I did not apply for. They include credit cards from Navy, federal, XXXX, XXXX and XXXX. And my email was changed without my knowledge at my phone service from XXXX to XXXX.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that the same account on my credit report was misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate the same account reporting as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (NY)

I received an unsolicited business credit card for from XXXX, a company that I do not know, never did business with, nor requested information from. I never contacted this company nor solicited any credit card / loan, but they send me a credit card ( loan ) for {$500000.00} - Which is absurd. I would like to request for this company to stop calling me and stop mailing us this kind of unsolicited offers, because I do not want any of it. Today I called the company at number : XXXX to request to be removed from their list and make sure they stop sending this offers and the employee said that is not possible and said someone from my company requested this. This explanation is impossible because my company has no employees, only volunteers. PS : all of our volunteers have no access to any financial information either.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

On approximately XXXX XX/XX/20 I noticed that I was being charged {$21.00} by comenity bank XXXX XXXX I called the company and spoke to a representative and they told me I was being charge by XXXX to a credit card that was closed. Comenity then open that XXXX without my permission. I have an XXXX credit card link to my XXXX XXXX  so I know that couldnt be the case. The representative told me that she will use a {$30.00} reward to cover that balance and I asked to closed that account. Then I received another letter stating that I still owe that amount and with late fees, the amount went up to XXXX. I never authorized comenity to open that account in the first place.
Consumer complaint received 2023-01-19
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. (AR)

This is XXXX XXXX amd I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$69.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX AR XXXX Balance : {$51.00} Medical ( Original Creditor : ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XX/XX/XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.
Consumer complaint received 2023-02-28
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. (OR)

Hello, I dont have specific dates. This showed up on my credit report, initially, I reached out but each time, the company gave me the run around, no one was ever able to provide specifics or details regarding this debt. I assumed it must have been an error and let it go but time after time it shows up on my credit report and the balance keeps getting higher. None of their representatives are able to provide precise details for what or when or how I owe this amount. XXXX shows {$3100.00} while Transunion shows {$3100.00}. The dollar amounts dont match up and I have no idea what the address for this charge. 
Ive lived in the same house for 12.5 years and my bill is current and lights are still on. Please advise what address this is owed to and if no address can be provided, please have it removed from all of my credit reports. The account number is XXXX on both XXXX and Transunion, however Transunion shows as acct type open account while XXXX shows as a collections account
Consumer complaint received 2016-07-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NAM National Arbitration and Mediation (NY)

A representative name XXXX from a company name ADR Group called my mother in law and said I was being sued and going to jail and that I have a debt to pay. When she asked where from XXXX would n't tell her. All he said was take his name and number and have me call him. I called the company immediately and spoke to XXXX different representatives. The second rep name XXXX said I had to pay a credit card debt. I asked what was the name of the company and he said XXXX. I said I do n't have or had a credit card name XXXX. I said what is the phone number to the company, how much do I owe, and what is the account number. XXXX gave me account number that turns out to be bogus. He would n't give me the phone number or tell me the balance owed or when I alleged got this card. So I XXXX premier phone number. I gave them the alleged credit card number and my social. And the representative from premier said I do n't have a account with them and that the company was fraud scam and do n't pay them anything. I said I did n't and immediately called ftc.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Transunion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below DOE  XXXX XXXX Balance Owed : $ XXXX- DOE XXXXXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : $
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX - Received a phone call from XXXX (? ), spoke with XXXX at XXXX ; she stated I had an outstanding credit card debt, {$5200.00} breach of contract with GE Mastercard, stated I had never taken care of it, there would be an investigation and lien put on my assets, and threatened a civil lawsuit. They claimed to have sent me documents in the mail a month prior with an attempt to resolve. I asked them what address they had sent this to, and they provided a prior address I lived at over 9 years ago. I gave them my current address and they said they would mail me the documents. 

Prior to this conversation, they left a VM for my husband that same day. 

XX/XX/XXXX - I called GE Money and spoke with their recovery dept ( the account was under my maiden name- XXXX XXXX ). XXXX XXXX stated the account had ben closed in XXXX. When I asked if they could provide me information on the account, they said I needed to request this in writing. I requested a copy of my credit report from all three reporting agencies, and showed zero delinquent or past due balances. 

XX/XX/XXXX - Received a phone call from a courier service asking me to confirm my address. They gave me a case # and phone # of a law firm to contact as they claimed they did not know what was being sent to me. I called XXXX and spoke with XXXX at XXXX XXXX XXXX. He sounded very legit and was very empathetic to the situation. I told him I had not received anything in the mail and confirmed my address. He said he could send me a Docusign agreement via email and it would be valid for 24 hours should I want to settle out of court. I received it but have not signed or paid. 

I used XXXX XXXX XXXX XXXX XXXX years ago to consolidate and pay off any outstanding debt. When I spoke with them ( XX/XX/XXXX ) they said this sounds like a scam and not to engaged. To this day, I have not received anything in the mail regarding an outstanding debt from XXXX.
Consumer complaint received 2023-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NC)

I owe XXXX XXXX XXXXXXXX  a balance of {$2500.00} dollars as of 2021. I have been notified that I am going to lose my job in the near future as a result of a company merger. I have tried to enroll in other schools to become trained in another skill before I lose my job. I called the XXXX XXXX XXXX  to obtain my transcripts and they are withholding them from me. The other schools will not accept unofficial copies of transcripts. I have tried to set up a payment plan with XXXX and ask that they go ahead and release my transcripts and they are refusing to do that as well. I am stuck in a terrible situation. I am getting ready to be unemployed and am unable to further my skills because XXXX will not work with me so I can obtain my transcripts. I do not deny owing the debt and fully intend to repay if I can make payments within my budget. However, they are keeping me from avoiding unemployment by not releasing my transcripts. I do not even want them forwarded to me personally, I just asked that they go to another school and XXXX still will not agree to do so. I tried to complete an official withdraw with XXXX too avoid incurring the debt and was told it was too late to do so. I tried to avoid this situation, my XXXX XXXX XXXX brother was very sick with XXXX at that time and I could not focus on my studies. I had to help my Mother with him at home.
Consumer complaint received 2023-06-06
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: HUNTINGTON NATIONAL BANK, THE (PA)

I've been subject to unlawful use of a credit card in my name ( SSN ) on XX/XX/2023. I was denied credit in order to attain an RV on this date, yet there remains an inquiry on my credit report, meaning that there was money transferred, or made with the use of my SSN ( credit card number ) & I have not benefited from this action, as I was denied the extension of my credit. This is a clear violation of 12 CFR 1002 ( Regulation B ) & considered credit discrimination. I am a creditworthy consumer & I can not be denied an extension of my own credit, much less by a business who intends to use my information for profit.
Consumer complaint received 2023-01-24
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.