davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (GA)

I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.
Consumer complaint received 2024-03-04
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. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-06-18
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)

There is an account reporting on my credit report ( XXXX  ) beginning XXXX of 2021. This account does not belong to me and I would like it removed. I was a victim of identity theft years ago and majority of the fraudulent accounts have been resolved. However, this particular account continues to linger. Please assist.
Consumer complaint received 2018-12-05
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: STATE FARM BANK, FSB (CA)

Too Whom it May Concern, I contacted the State Farm Consumer Reporting team on Tuesday, XX/XX/2018 to discuss an account ( charged-off credit card ) reported to the credit reporting agencies. Since I discovered this account, I've vigorously disputed it ( online ), while going through multiple surgeries and XXXX treatment. Also, I spoke directly with a representative, XXXX XXXX, at the company who was surprised that he " could not find ANY paperwork associated with the aforementioned credit account. '' At the time the application was reportedly submitted, I was in high school student. In fact, I was participating in a research program in California and XXXX XXXX. I was also shocked that no one ( credit bureaus or company ) could provide me with a signed document and/or other verification documents. After being told they could not find information or an application linked to the account, I received a simple transaction list ( e.g. XXXX, XXXX, etc. ) in the mail, which does not satisfy the FCRA verification requirements. I responded to this issue by placing an Identity theft alert on my credit reports and froze them. However, I am using this correspondence to submit a statement to outline my dissatisfaction with the process. The credit reporting agencies responded to my verification request with canned responses. NO ONE, including the company, furnished me with a contract/application with my signature. I didn't receive any hard evidence that links me to this account, which concerns me. 

In essence, I see this report to the CFPB as an option for the disadvantaged/underprivileged in this country to overcome the structural bureaucratic barriers that exist. Again, it concerns me that the credit reporting agencies can report something as verified without sharing the materials they used to verify an account. This behavior seems to encourage creditors to disregard robust investigations. Having said that, I hope this issue can be resolved.
Consumer complaint received 2023-05-21
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. (LA)

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account # XXXX  XXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XXXX XXXX  # XXXX {$1500.00} Account # XXXX XXXX # XXXX {$0.00} Account # XXXX  XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
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 sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Which are UNKNOWN to me. This complaint is my follow-up attempt to ensure that the listed items are ultimately removed from my credit report due to their erroneous status.
Consumer complaint received 2020-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (WA)

On XX/XX/XXXX we logged into our NelNet account to change our password as our accounts had been compromised by a hacker. Normally, we make large lump sum payments on our student loans as we are healthcare professionals and often times the hospitals assist with our repayment. Therefore, the due date is always changing. Upon inspection of our account we found that our interest rate had increased to 3.5 % from 2.05 % because of a delinquent payment. Their office was contacted on XX/XX/20 with which we spoke to XXXX a customer service representative. She reported that she would send an email to leadership/incentive department regarding retracting the interest rate. On XX/XX/20 we were contacted by XXXX ; a resolution specialist whom then indicated that statements, phone calls and emails had been sent to our address on file however, the mail was returned because they had the wrong address. I then proceeded to ask regarding the phone calls and if there were any voicemails left. XXXX stated the computer had attempted to contact us 3 times but, did not leave a message. I then asked XXXX how are we able to respond if your computer does not leave a message and your company has the wrong address. He did not have an answer to that question ; just simply stated that NelNet was unable to reinstate our initial interest rate secondary to delinquency on our part not NelNet 's part. I proceeded to ask for his manager and he responded that he would have to email leadership and he/she would be contacting us however, it is unlikely that anything can be done. I asked XXXX to elevate the complaint and if he could contact the lender XXXX to see if they are willing to reinstated the initial interest rate. He stated that he is not allowed to contact XXXX but would be happy to escalate the issue. Today XX/XX/20 I contacted XXXX and spoke with XXXX ; she too reported she would have to research this issue and get back to me on Monday. This is a very frustrating and time consuming experience. We are both XXXX XXXX XXXX  workers and this loan is a XXXX  loan that is used to gain the XXXX  needed to XXXX  XXXX  XXXX. We are very disappointed that NelNet and XXXX would do this during such a crisis time and foremost, during a time when the healthcare community has taken not only a financial hit but a XXXX  health hit as well. If this is how front line workers are treated by these companies during a pandemic ; I would hate to see how we are treated on a normal everyday basis
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX # XXXX from Diversified Consultants, Inc ( XXXX XXXX XXXX, XXXX, MI XXXX ) acted very unethically, was extremely rude and a bully when I called to inquire about a debt that was found not owed ( S/W XXXX on XX/XX/18 ). XXXX overpowered the conversation and would not let me speak this was very unprofessional considering I didnt owe anything. 

I called back to make a complaint about XXXX and was told he was the Manager and he didnt report to anyone. 

No one should be bullied by a Collector. 

Can you please send this email to Diversified? 

Thank you
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/XXXX I set up a recurring payment. It was cancelled. On XX/XX/XXXX I tried to set up another recurring payment and received the following error message : See attached. Why is it stating I am in forbearance? This account is not in forbearance and I have a letter from several months ago stating so. Your website portal for customers has many software engineering bugs that need to be fixed. Fix it.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

It started XX/XX/2022 bank of America I contacted them about the issue because the account was open under my maiden name and I didn't open the account they claim they were going to close account I still received mail about I have called several times and all they would do is put me on hold and would never come back to the line.
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

On XX/XX/2023 I received a notice of debt collection from the Cedars Business Service stating that I owed {$1200.00} for an XXXX  with XXXX XXXX I have never received services from this business I have had XXXX for well over 20 years and have never received medical care of no form from anywhere besides XXXX.
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc. (TX)

In XX/XX/XXXX or XX/XX/XXXX, I received a collections call from Receivable Solutions out of XXXX, XXXX regarding a medical bill. As I have had health insurance my entire life and there was no reason I should be receiving a bill ( co-pay was made at the time of service ), I contacted my insurance carrier to clarify. XXXX XXXX XXXX XXXX XXXX XXXX informed me that a medical provider from XXXX XXXX XXXX failed to timely bill my insurance for services and that the provider could not bill me for the service under the terms of their contract with XXXX. I relayed this information to the debt collector who understood and ceased attempting to contact me. Many years later ( coincidentally, after the statue for any fair debt collection action I may have against them ran ), they began periodically contacting me again and the debt continues to be reported to the credit bureaus. Because they have documented ownership of the debt, the bureaus will not remove the collection. I assume they do nothing to investigate my claims that the original debt is invalid. This company is unlawfully attempting to collect a debt against the terms of their contract with my previous insurer.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It has been about five months that I applied for unemployment and was supposed to receive a card and I updated my address but Bank of America never seem to get the update after five months and Ive change it on EDD website multiple times but it doesnt change on the Bank of America website. So I am unable to receive my card.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GLA Collection Company, Inc. (KY)

This company has cashed a check in regards to this alleged debt owed, and now refused to adhere to the terms that the check was provided under. The check # XXXX, dated XXXX states Acct # XXXX Negotiation of tender settles and deletes debt from credit bureaus. However, this company has cashed the check, and now fraudulently refuse to adhere to the provided terms. The account balance has been updated and they now refuse to delete the account from the bureaus, as agreed upon once the check was cashed snd funds transferred from my account to their company. Due to Covid, this was my only offer, and they accepted now to renege on terms agreed upon.
Consumer complaint received 2018-03-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ad Astra Recovery Services Inc (CA)

Ad Astra Recovery Services is attempting to collect a debt that is being reported on my credit report. The collection account was created on XX/XX/XXXX in the amount of {$460.00} and was last reported to XXXX on XX/XX/XXXX. I called Ad Astra Recovery Services in regards to this collection account on XX/XX/XXXX and was informed that this collection account was no longer being serviced by their company. I requested that if this collection account was not being serviced by them, that they would have to remove it from my credit report. The representative on the phone told me that they were not able to process that request for me, but in the past I have successfully had items on my report that were not being serviced by the correct collection agency. I ask that Ad Astra Recovery Services remove this collection account from my credit report immediately due to inaccurate credit reporting practices.
Consumer complaint received 2022-12-30
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)

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (WA)

In XX/XX/2020 I was offered to be placed on a payment plan for my Gold and XXXX  AMEX card which I accepted. I made payments on both cards to start the plan as required. Prior to the next months due date I called to update my payment information as my debit card had to be replaced. I was informed by the agent that my payment information was updated. When I noticed that no payments were processed after the first payment I called to inquire and was told that the plan was instead cancelled, which I did not authorize. My credit report then showed I had 30 and 60 days delinquencies all due to AMEXs decision to cancel my established payment plan without my knowledge. 

I spent weeks calling to get the late payments taken off my credit report only to be told they were researching the issue, but that they would call me back the next day. Of course, I never received any follow up calls. I finally was contacted by the AMEX Executive Office, who after multiple weeks of researching what happened assured me that my credit report would be updated and the late payments removed. Two months later nothing has changed.

Ive actually received emails that are offering me payment plans for cards that aren't even mine, which goes to show how disorganized AMEX apparently is.
Consumer complaint received 2019-10-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (MD)

I entered into an agreement with XXXX XXXX the company that GM financial hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XX/XX/XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from XXXX XXXX XXXX via email and standard mail stating my account has been resolved and closed in XX/XX/XXXX. I contacted both XXXX and GM Financial to have the information updated correctly. 

My issue is the information that GM Financial is reporting to the credit bureaus does not accurately reflect the agreement made between me and XXXX XXXX and it also indicate son my credit report that I still owe GM Financial {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however GM Financial reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that GM Financial remove the account in totality from my credit report with all three crediting reporting agencies.
Consumer complaint received 2023-05-20
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. (MD)

XXXX XXXX  XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and XXXX put it back on my account illegally. 

XXXX also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws