davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act conversion accounts : 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 15USC 1681 Section 602a states " I have the rights to privacy '', 15USC 1681 Section 604a Section 2, also states " a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

in XXXX Equifax had a data breach. I called in XXXX, XXXX and was told no I am no part of it. I finally got sick of accounts and inquirys being opened and checked the extended Equifax breach site for those still missing restitution. I never received the initial payment because I was told I was NOT PART OF IT. I cleared my record borrowing money, store cards, banks, you should be able to find the XXXX to the current date that I am trying to clear up. 
The head attorney is such an XXXX. I was XXXX until XXXX but then XXXX. I fought a medical bill from XXXX when I was XXXX in XXXX, XXXX XXXX or XXXX or something. They finally discharged the debt last year. So I have been fighting this well over the 20 hours that he promised me at XXXX an hour and any proof that I can show for computer or bills... I can provide statements of internet if XXXX has them still and XXXX  as well. I am being cornered into accepting bad credit history or none, with account that are secured but overdrawn? I didn't know you could secure a card for XXXX and spend XXXX I thought that was the point to build credit. Those card most closed within the window, or evenif they didn't I was lied to by Equifax about the databeach twice. He promised XXXX if I didnt pursue the other statements so I can gain payment faster. I haven't worked in 6 years steadily due to medical issues that I am have a SSI case over. I have skeletal deformatiies and joint deformities. No one will hire me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive had XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I cant remember my childs birth, wedding, or to do daily tasks. My wife does everything. This is preying on someone who made a mistake and had health issues occur that put him in a position of not being able to fight back. The attorney is a liar. He talks rudely, promises compensation after conversation then sent me a XXXX prepaid settlement card. 

Id rather leave my son at the age of two and end my life than bond with the person who made me a better man with failing health. I cant do this. IF anything happens to me. Its equifaxes fault for not notifying me. I cant open cards or tax information in prison. they dont allow it. I wasn't aware there was a data breach in XXXX because i was in XXXX. I found out and was lied to three times now. My SSN, sons SSN, address phone family info is all on the XXXX XXXX  I cant process mentally how to resolve this and he is preying on it. 

He told me that the judge hearin the Equifax breach case would hear of 10 accounts cleared that they take 3 minutes each. 
Are you kiddng me? I had to take photos, show XXXX pictures write affidavits. I spent YEARS CLEARING MY HISTORY TO HAVE IT COME BACK LIKE THIS. I dont have ssi, I cant work, I cant pay. Ill give you my body if thats what you want. Your responsible.
Consumer complaint received 2023-03-10
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: JPMORGAN CHASE & CO. (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2022-10-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX legal department has lied and misstated facts and deceptively missused law to commit fraud and defraud me. I paid for my home na XX/XX/XXXX to XX/XX/XXXX. 
XXXX stole that money from me for a year. XXXX never paid for XXXX until XX/XX/1923 and only to cover their criminal tracks. 
XXXX knows the escrow was canceled in writing to amc XX/XX/XXXX and XXXX XX/XX/XXXX. But they continued it maliciously. Then lied here about the facts and admitted it was canceled in XXXX while also claiming it was ok to bill until XXXX as shown on my Experian file. 
I have repeatedly asked them to PROVE payment to my ins. They misstate the facts, trick me, misuse the law and 3 day cancelation, lie and get away with it. 
They stole my escrow money. They NEVER stopped escrow. They never paid ins XXXX to XX/XX/XXXX. They lied here. They lie to my credit bureaus. They cant claim they paid for something that they didnt. They cant claim it was a mistake. They admit to knowing I canceled all escrow and billed me anyway. 

This is only a repeat complaint because the company keeps lying to trick us into thinking they did not intentionally with malice evil mind keep the escrow money from me for a year. 

They lied and said that two months of interest on an escrow is XXXX $ but 7 months is XXXX XXXX PROVE IT CRIMINAL. show your math lier. 

These are sophisticated attorneys and math people who are using lies untrue facts and omissions and deception and misstating the law and misusing the law to deceive and getting a pat on the back by the federal government for doing it. There is no hope for people in this country. There is no consequence for corporate greed and deception.
Consumer complaint received 2023-08-09
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ivy Street Development Corp. (NY)

I did not know this amount was still owed until I saw it on my credit report a couple of years ago. I immediately contacted Southern Tier credit and paid the {$53.00}. It was removed from both my XXXX and my XXXX XXXX accounts. I have just now requested a report from your organization and found that it was not removed there. I think it was an XXXX XXXX bill that I didn't remember receiving, all the others were paid. I am not sure who to contact now. Southern Tier?
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase forced to closed my account without any further information, I had tried to called them couple times and went to branch got no heard back what is the reason they closed my account and not sending my fund back. I need to the fund for my bills, day care and rent. I did not get any heard back from them at all, they just said keep calling them everyday to check the status of my information, but no information about my return funds been giving.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (IN)

One of my loans was transferred to XXXX XXXX in XX/XX/2018. I don't know which loan because I never received any correspondence. I just received an email today stating that my loan is past due even though I paid all my bills on time. I tried reaching the XXXX number listed in the email but no one picked up after 20+ minutes of holding. The email said XXXX has a Live Chat option on their website from XXXX - XXXX ET, but it's XXXX and no Live Chat attendants are online. I would like to know if anyone actually works at this place because they seem sketchy.
Consumer complaint received 2018-06-07
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. (OH)

sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.
Consumer complaint received 2023-04-27
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)

I discovered that many accounts 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 accounts as unverified information without providing any 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
Consumer complaint received 2023-07-19
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I have 15 direct loans. I requested that MOHELA place all my loans on the SAVE plan on XX/XX/2022. MOHELA did not place loans XXXX on the SAVE plan. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my loans be placed on the SAVE plan. Each time, they tell me that my loans are " not eligible, '' but will put in a request to be put on the SAVE plan because they are direct loans. On XX/XX/XXXX, I put in a request to be put on SAVE through FSA. MOHELA " cancelled '' that request. 

I am entitled to the SAVE plan. Loans will come due soon, and MOHELA is forcing me to pay more on my loans than is necessary by keeping me on the level repayment plan.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

In XXXX of 2022 I started receiving harassing phone calls daily from a collection agency on behalf of Att mobility. However I do not owe them anything. I actually have proof of them owing me and having to refund my husband 's account. I disputed this through XXXX and weeks later I received notice that the account was removed/deleted from my credit report. This was in XXXX of 2022. In XXXX of 2022 I received notice that this so called debt had been added to my report through another collection agency.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After disputing these fraudulent accounts with Capital One, Capital One Financing Corp has Account numbers XXXX | XXXX that is reporting to my account " XXXX XXXX XXXX ''. After contacting the Capital One Fraud Department, I was informed that this " company " refused '' to remove the " fraudulent account '' associated with my account. Based on the correspondence from Capital One fraud department ( letters attached ), each fraud case was closed for " lack of information '' disregarding faxed FTC letters and FTC reports submitted. As I stated in my previous claims, Capital One Financing Corp and it's third-party debt collecting affiliates are in violation of : 15 USC 6802 : Companies, corporations, CRA 's , etc need written instruction to make a consumer report by the consumer. Without written instruction this " company '' has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law, Capital One Financing Corp has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed must be DELETED.