davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charlottesville Bureau of Credits, Inc (MD)

I received notice from a collection company Valley Credit Service XXXX in XXXX XXXX stating that I ( XXXX XXXX XXXX owed Md. XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX {$210.00} for services in XXXX XXXX. Firstly, I have never been a patient of this group. Secondly I do n't know where this XXXX XXXX the visit comes from??? 
A little background. My wife, XXXX, was a patient of this group while XXXX XXXX XXXX XXXX XXXX in XXXX up until XXXX XXXX when she was XXXX. Because she lives in XXXX XXXX Md she is told to get a new nephrologist because they do not practice in that area. My wife did so and her new Doctor is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. He was her doctor from XXXX XXXX through XXXX XXXX, XXXX. At which time my wife had an XXXX XXXX at XXXX on XXXX XXXX, XXXX. XXXX spoke to her original doctor, which is no longer with this group, regarding the supposed charge for XXXX XXXX. XXXX XXXX XXXX told her he never put this charge in my file. In the meantime this group sent to my XXXX and XXXX and were paid {$270.00} This is a fraudulent claim. My wife did not have an office visit!!! 
As for me, how did they get my social security number, etc and file a bogus debt on my credit report? XXXX XXXX billing person for Md. XXXX group said she never sent it to them in my name ( XXXX ) ; however, the fact is I have a sworn affidavid from the collection agency showing her signature that she did in fact send it to them. No one has yet to apologize they just told me to wait and pull your credit report to see if it is gone in XXXX. All I ask is a letter from them stating the truth about this debt and the collection agency. They all tell me they do not have to do anything for me as it is the law. They made the mistake why do I have to jump through hoops to get this resolved. It was their error and done without my knowledge. 

Lastly, why did my wife, XXXX, never receive any kind of bill from Md. XXXX XXXX for over 4 years??? And when one came it was in my name not hers.??? Please note each letter states a different amount owed, i.e. {$270.00} - {$220.00} - {$210.00} so which is correct????
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

AMENDED CONSUMER COMPLAINT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX NV XXXX just mail me a copy of my credit report snapshot which i did not requested i have mailed certify latter that they violate federal Law releasing my credit report with out my consent they need to pay the damages described by federal code regulation sharing my credit file with 3 parity for profit with my aware about with out my consent with out my signature it is absolutely a violation of federal statue i lost my credit score i lost my job i have additional hard inquires in my credit file which drop my score from XXXX to XXXX. i want CFPB to admit my complaint on my behalf in federal court in Washington and let the court make decision on it. thank you.my credit report was requested by XXXX county State of Nevada with out my consent Family support Services Division took loan on my behalf under my social security with my consent with my knowledge with out my signature it is Fraud by county and State of Nevada it is punished able by federal law i was those people held accountable for wrong doing by checking my credit with telling me with my consent i there making threat against my false arrest to put me in jail they where sending me lattes to revoke/ cancelled my driver license which i need to drive to go religion places for my religious pick up my kids from school i have to pay them because they where threatening to revoke my lic i did not have food in my house to feed my kids because i lost my job because of this problem i did not have job i have no paycheck because i am XXXX person my XXXX on appeal that loan they took on my name need to e removed that loan account status should be removed from my credit file and status should be paid in full or never happen. 


XXXX XXXX. 

Regards.
Consumer complaint received 2023-02-20
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. (GA)

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX XXXXXXXX XXXX. MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. I'VE ALSO NOTICED THAT THE STATUE OF LIMITATIONS IS EXPIRED ON THIS ACCOUNT FOR STATE OF IOWA. 

According to the information given to us by the credit bureau, the date of last activity by the original creditor was ( XX/XX/2016 ). The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of ( IOWA ). 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on XXXX debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). 
However, I would like to point out that it violates provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt. 

The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfullyreceived by any debt collector for the collection of a debt. 

Section 604. Permissible purposes of consumer reports The exact statute : [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ;
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2022-02-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # # #, 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 an account without my written instructions.
Consumer complaint received 2023-06-14
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. (AL)

Ive made disputes in XXXX and in the month of XXXX of collections and closed accounts being reported on my report still. They have not been doing a proper investigation. The original creditor have written off the debt on their taxes but I have not been provided with any 1099c form and the agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been making reports on my credit on a debt thats has already been written off on taxes. This is in violation of CRA 15 USC 1681 eb.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

I applied in person with 5/3rd Bank for a XXXX XXXX XXXX advertised as low documentation. It requires a Stated Loan Application. My business is located in GA. 5/3rd wanted me to have a GA drives license even though I'm a XXXX  licensed in GA, with a home in GA and a business duly registered in GA. 

XXXX also underwrites the bank and must be cited in this process. 

I applied in person with a bank manager on XX/XX/XXXX at a branch in XXXX, GA. I for the decision XX/XX/XXXX I was told the application goes through firms within 5/3rd and other entities. 

5/3rd did not ask for my bank statements or tax returns. 

I was also told that the loan could be considered if I have a dual driver 's license in GA and XXXX, where I also have a home. This is illegal to have two drives licenses. 

This is a deceptive and misleading loan process.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX told me to write a dispute letter to them and state they arent reporting but the is NO where to write the letter too. Im at a standstill loss here. I have no idea what to do next.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my Experian and XXXX  credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. XX/XX/XXXX has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!
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: Experian Information Solutions Inc. (GA)

My only name is XXXX XXXX My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My only employer is XXXX XXXX XXXX XXXXXXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 
Sincerely,
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

At the end of XXXX, My credit score on Experian was horribly reduced from incorrect labeling and information on their end. I was an additional card holder for an account that my parents are the ones who are accountable for, I am and never was legally responsible for it in anyway ever. They also had my parents address listed on my credit report as a previous address for me but I never lived there and it was due to the error mentioned above. After finally getting it resolved at the end of XXXX, XXXX, the address is back on my report and they are now missing a previous closed credit card account I had with XXXX XXXX and in the past 72 hours ( XXXX XXXX ) my credit score has dropped almost 50 points because of incorrect information, outdated balances and removing information that helped me and adding information that is false and I removed less than a month ago and hurts me. Further more I signed up for their membership at the end of XXXX to be proactive and prevent any issues like this from happening again and it still happened and they removed utilities from my report on XX/XX/XXXX that they added which boosted my credit score after I submitted a dispute with them because it was showing the previous months bill amount that was paid in full and reduced my score on XX/XX/XXXX. They system wont add it back but they still have it listed under their XXXX  benefits and they state that they update monthly but they clearly dont since it had my previous balance still showing that had been paid in full since XX/XX/XXXX XXXX
Consumer complaint received 2017-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

LoanCare, LLCCustomer AdvocateAttn: XXXX XXXXXXXX. XXXX XXXXXXXX XXXX, VA XXXXI am writing to request correction of the error described below in regard to the mortgage on my property. Your company failed to credit the payment of $XXXX I made on XX/XX/XXXX via the USPS and XXXX XXXX XXXX  XXXX Cashier’s Check # XXXX (enclosure 1). Per enclosure 2, XXXX XXXX paid off my loan in full $XXXX onXX/XX/XXXX. On or about XX/XX/XXXX, your company issued an escrow refund of $XXXX.  I contacted your Customer Advocate team on XX/XX/XXXX to address this issue. A ticket # XXXX was issued for my complaint. I contacted your Customer Advocate team again on XX/XX/XXXX and XX/XX/XXXX.  As of the date of this letter, my complaint has not been resolved to my satisfaction.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This inquiry does not belong to me and is inaccurate. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize my consent to pull my credit profile.These inquiries are fraudulent i I would like them removed immediately
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00}
Consumer complaint received 2018-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

CCS FINANCIAL SERVICES , INC has reported an account that I am unaware of. They said they have verified the account but have not provided any actual proof that the account is mine. Without proper documentation - the original signed agreement - the company is required to withdraw their reporting inaccuracy by law. 
I am a litigious citizen and will follow through with my complaint by taking whatever path is deemed necessary. If CCS financial can prove that the debt they are collecting is actually mine, by means of an original signed document, I have no problem making a settlement. 
I believe this account to be fraudulent and without proof ask for all credit blemishes to be removed.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-02-02
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 reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$350000.00}
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (TX)

In XXXX I applied for an apartment at TXXXX XXXX XXXX XXXXXXXX. I only paid for the application fee and that was it. No contract no lease was ever signed! I called and advised them that I wasn't going to get the apartment and stay where I was. Because they were ticked off at me for not getting the apartment, they put this on my credit report and it's showing a balance of XXXX. I have tried to dispute this with them as well as with the credit bureau and no one is being truthful!
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I submitted a PSLF Employment Certification form to Mohela ( about a year ago now ) for the time period between XX/XX/XXXX to XX/XX/XXXX during which I was making loan payments while at an eligible employer. Mohela updated my payment counts, and while most of those months were counted, for some reason on the eligible payments section payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are not listed/not being counted. This is an error that needs to be fixed. The proceeding months ( XX/XX/XXXX, XX/XX/XXXX ) and subsequent months ( XX/XX/XXXX and on ) were all counted, and there is no reason why those 4 months should not have been counted. This needs to be updated and reflected in my total PSLF payment count. I have been calling and trying to get this fixed for a year now and every single time get told something different and nothing has been fixed. This needs to be resolved immediately. I have submitted several messages and complaints through their messaging system, as well as called many times ( which they should have recordings of and notes on my file regarding this ).
Consumer complaint received 2022-02-22
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.