davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (IL)

This is my Third 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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX  & XXXX  has violated my consumer protection laws under the United States code title 15 chapter 41. The first violation is they have this alleged debt being furnished on my credit report. That is a violation of 15 USC 1692b ( 2 ). Its violating because it being furnished would mean I owe it, but a debt collector cant say I owe anything. I am the original creditor because I am the one with the credit. There are several public laws regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. They did not give me the credit so they can not validate the debt. I am the only one who can validate the debt because the corporation is not a natural person according to congress. They are a entity. I do not validate this debt. 

Pursuant to 15 USC 1692d only the natural person can validate an alleged debt. No debt collector/ corporation has the power to tell me a debt is validated. No contract or monthly statement can validate the debt. 

The consumer, the natural person Is the only true creditor as I am the one that created the debt per federal law. 

I demand that the accounts listed in my letter be deleted asap. If you cant delete the accounts I demand that you produce a contract in affidavit form between me and you showing I granted you permission to furnish the report. If you have that permission have senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.
Consumer complaint received 2024-02-29
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX alleged that I owed a credit card debt for {$1500.00}. I disputed it and they removed it from my credit report and stated I do not owe them on XX/XX/2021 due to identity theft. However, they sold the debt to a debt collection company, Midland Credit Management on XXXX XXXX, whom I have also explained that I do not owe this debt. Exhibit 1 and 2 are attached. I demand remedy from both companies for breach of my privacy rights as a consumer, reporting inaccurate information and causing mental harm over stressing about this situation that they caused. It is negatively affecting my employment and other financial necessities.
Consumer complaint received 2019-06-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Reliant Capital Solutions, LLC (CA)

First of all my name is XXXX XXXX not XXXX XXXX XXXX as all the bills refer to regarding my student loan. I attended XXXX XXXX College back in XXXX and I already paid off one loan and now I am told I have a Federal Perkins Loan in default. I had resolved this issue with a company that represents this school but I was forced to pay {$70.00} for 9 consecutive months and once I did that I was being charged {$40.00} a month. Unfortunately, I was unable to pay and the agency was unable to help me, which I thought was odd. I was not able to pay and my loan went to default. I believe I might have been dealing with a scammer company because all of a sudden I get notices from another loan servicing representing this same school and charging me over {$6000.00} when the loan is only for {$3000.00}. I never heard back from the other loan servicing company who was taking my money every month. I called the school directly and they tell me to contact the loan servicer. I refuse to pay anything to this company who sends me bill notices with PO Box addresses and misspelled words and just seems fraudulent. I am now in default and I don't know why if I have been attending school more than half time. Please help me. The First company I dealt with was call Reliant Capital Solutions but we dealt with over the phone and emails ... I never received any bill from them directly. This new company is XXXX XXXX  XXXX XXXX.
Consumer complaint received 2021-06-21
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. (CA)

Since XXXX XXXX FRAUDULENT ACCOUNTS have been added to my credit profile which the credit bureau Experian is still reporting I have certified mailed my POLICE Report which has been added to my credit FILE. Yet Experian has continued to refuse to Remove all the FRAUDULENT ACCOUNTS I also have COURT ORDER DISMISSAL LETTER I have sent in the Court order DISMISSAL several times via certified postal mail yet They Refuse to follow the judge 's order as well as the polices report and remove the FRAUDULENT accounts PERMANENTLY. Any and every time I mail them proof which consists of the police report as well as the judge approved Court order Experian will put the accounts in investigation and end with the same results leaving the accounts on my credit file. this will be my final time explaining this situation and asking them to follow the judge 's request if Experian continues to ignore the police report as well as the Judge Court order I will seek legal assistance to make sure Experian credit bureau is penalized for ignoring the law and leaving Fraudulent accounts on my credit profile.
Consumer complaint received 2024-02-29
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

Hi, I contacted Edfinancial on XX/XX/XXXX about getting my refund for the payments I made on my student loans during the covid pause and my balance updated but was told some vague information about it taking up to 150 days to receive my refund and see the balance update on the loans. I've contacted them about updates on the matter and all they tell me is that I have asked for my refund but nothing seems to be getting done about it. I have not received any confirmation or any guarantee that they are actually refunding me for my payments going back to payment pause in XXXX or XXXX of XXXX. I would just like to make sure it gets processed before I apply for student loan forgiveness. I'd really appreciate any help I can get. I know a lot of people have been having this same issue with Edfinancial and this seems to be a serious problem at the moment.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via XXXX. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called Chase customer service on XX/XX/2021 and reported the XXXX scam. They said they would file a scam report with XXXX and go from there. The next day XX/XX/2021, I received an e-letter stating my claim was resolved and no action would be taken. I contacted Chase customer service again asking about the details. I got a XXXX case number XXXX from them and then I called XXXX XXXX customer support. I could only reach XXXX 's in-app customer support and they couldn't look up the case number because I was using XXXX with a bank not the XXXX app. They transferred me back to Chase customer support once they heard that I was using Chase to send XXXX payments. Finally I got connected with a Chase customer support who knew what was going on. That person told me frankly there was nothing Chase could do other than filing a report with XXXX and wait on the results, because my case is scam ( I sent the money willingly ) instead of a fraud ( money was gone without my knowledge ). I haven't heard from Chase or XXXX on this matter so far. I've also filed a police report with Houston XXXX. 

More background on the scam : I saw the sublease post on XXXX Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for XXXX but now unregistered ). I paid a {$500.00} deposit via XXXX during the signing. Afterwards, the scammer can no longer be reached. 

Original XXXX post was deleted : XXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AZ)

NCB Maganement Services , Inc. claims I owe them {$60.00}. I have asked for validation of an account from them showing I have a signed contract with NCB. So far, they have not provided me with any such document. Further, NCB has continued to report negatively to the credit bureaus, damaging my ability to obtain new credit.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (NJ)

DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received two ( 2 ) Mastercard credit cards in the mail. the cards were in the names of 1. XXXX XXXX XXXX ( myself ), and 2. XXXX XXXX XXXX ( my XXXX  wife ) .The cards were sent by Huntington National Bank , XXXX XXXX XXXX, XXXX , NE. These cards were UNSOLICITED. I have never requested any credit cards from them. 
I contacted the appropriate department at Huntington band and spoke to a person by the name of " XXXX. '' I advised that I did not request the cards, make application for the cards, and do not want the cards. She advised me that the account had already been closed. I asked her what the records showed as the the status of the cards, and she replied that they were closed by the bank. I responded that if the bank closed the account, my credit record would reflect a negative notation, showing that the bank initiated the closure. She replied that she was sorry, but she couldn't do anything to change that.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Sale of account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

we received a XXXX from XXXX for XX/XX/XXXX on an account that was settled for less than amount due in XX/XX/XXXX with HSBC/Beneficial. Since it has been over 7 years no one has any documentation ( only required to keep for 7 years ) and they can not sell an account to XXXX that is no longer collectable. I have included the XXXX credit reports that do not show this account at all as my guess is that they removed it when it was settled instead of reporting it as such as well as the response from the CFPB case # XXXX cfpb dispute.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( 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 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

I have a student loan account through XXXX XXXX XXXX that was also through JP Morgan Chase Bank. The account was sent to collections through XXXX XXXX XXXX, even though I never received a bill or an loan payment notice to begin with. I started paying the collections account in XX/XX/XXXX. All payments of {$150.00} per month were agreed upon by XXXX XXXX XXXX and have been made on time. My credit reports show that I have missed payments that are 180 days late for XX/XX/XXXX and XX/XX/XXXX but these are incorrect. I also do not believe that the payments should have ever been sent to a collections agency in the first place, because I was never informed that there was any payment due to begin with. The account as a whole has had a very negative effect on my credit and may cause issues for me at work, since I am enlisted in the XXXX XXXX XXXX and hold a Top Secret Security Clearance. I have tried disputing this multiple times through XXXX, XXXX, and XXXX  and through XXXX XXXX. JP Morgan Chase Bank will not respond to any phone calls, emails, or correspondence from the companies or myself and has failed to correct the information after years of filing disputes.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jomax, LLC (IL)

Attorney XXXX XXXX, based in MA, entered into a surety bond contract with XXXX XXXX XXXX XXXX ( XXXX ) for collection business in Nevada. He forged his ex-wife XXXX XXXX 's name to obtain the bond. He subsequently declared bankruptcy & XXXX tried to collect a debt from XXXX XXXX, which was the 1st she knew of the forgery. She notified & provided proof of the forgery to XXXX through an atty ( XXXX XXXX, her sister ) but XXXX sent it to a collection agency. For 6 months now XXXX will not respond to correspondence or calls from the atty. Below, XXXX XXXX requests communication re the complaint go to XXXX XXXX, her attorney.
Consumer complaint received 2023-03-15
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2021-06-21
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX, I paid the full balance of {$110.00} on my credit card and closed the account, as we never use the account and were trying to pay off our minimal debt in preparation to buy a home. Nothing against Capital One, we were just getting our small amount of debt paid off and had no use for credit cards. 
We had no idea the account was never closed and not until we were looking to buy a home last month, did we discover there was a 60 day late on our credit report. I KNEW it had to be a mistake since we no longer have a Capital One credit card. 
To my surprise and shock, apparently the account was never closed and Capital One had applied an annual fee in XXXX to the account ( 7 MONTHS after we paid off and closed the account ) and started to report the account delinquent in XXXX and XXXX. Still having ZERO knowledge of this, Capital One apparently viewed the account as inactive and REVERSED the annual fee/charges and closed the account ( thank you ). However, the 60 day late remained on my credit. How can I have a negative payment history on a charge that doesnt exist? 
I truly believed this would be a simple and understandable correction to my credit report, as I clearly did not neglect to pay my credit card there had been ZERO usage or activity after my XX/XX/XXXX pay off and an UN-activated card that was apparently sent, and exceptional payment history proves that. 
But the representative said we needed to write this letter to dispute the 60 day late on my credit report. Please understand this is devastating to us, since we have always taken our finances and credit seriously as you can see from my credit report ( absolutely ZERO lates on ANY of my accounts ). We were good Capital One Customers and made timely payments, and tried to do the right thing and pay the balance in full, and close the account. Please help correct this error on my credit report. This is severely affecting my credit and jeopardizing our ability to get our home loan.