davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

I applied and was approved for a student loan of {$2600.00} from Sallie Mae. The loan was disbursed to University of XXXX on XX/XX/2021. I paid off the student loan out of my personal checking account at an amount of XXXX on XX/XX/2021 after realizing the interest rate is 11.25 %. 

Due to family obligations, I applied for a leave of absence for the 2021 fall semester and was approved by University of XXXX. The university XXXX XXXX and XXXX XXXX staff has confirmed that the {$2600.00} was refunded back to Sallie Mae on XX/XX/2021. Sallie Mae did not disclose this information to me. 

I contacted Sallie Mae by phone twice and explained the situation. However, I have not received a refund of student loan payoff amount as of XX/XX/2021.
Consumer complaint received 2023-05-22
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2023 I opened an American Express credit card with my business along with my XXXX number. On XX/XX/2023 I received Notification that my American Express business credit card was reported on my personal credit report, which is affecting my score. Its to my understanding that a business credit report is not supposed to be placed on a personal credit report upon asking American Express to provide me with a copy of their policy of their credit reporting I was declined to receive any copy of any policy that states American Express has the right to report a business credit on a personal credit report.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. Please repair and update these accounts.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

I was the victim of identity theft and when they got my card number and went on a shopping spree, Direct Express did Not catch it. When I did catch it they had stolen XXXX dollars so far! When I filed a claim with Direct Express I was told that they did a THOROUGH investigation and found that the charges were fine. That they were authorized! There's No Way that I had anything to do with those charges! It was Very Obvious that someone named XXXX on XXXX was the one that was stealing from me! He sent himself and his wife money to their XXXX accounts and their phone number is right there! Any XXXX could see that they were the ones spending my money! But yet Direct Express is telling me that they can't find anything wrong! Well what's to stop them from doing it again?!!! I have filed reports with the FTC and the Cyber Crime Department already and will be filing with both the Texas Attorney General and the California Attorney General. Direct Express is REFUSING to Reimburse MY Money that THEY Let someone STEAL from Me!!!
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 items : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 Inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of Inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was Collection accounts on my credit report. This is disappointing because I have been paying ExperianXXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a Collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this XXXX, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within XXXX days. If I dont receive a return response within XXXX days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2021-12-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NM)

My vehicle was a total loss. My insurance company has paid their portion and now I'm on to my gap insurance. I have contacted Ally financial over the last 2 weeks requesting copies of my loan history and MSRP to provide to my gap to finally get the loan paid off. I have spent hours on the phone being told they wont provide the MSRP and I have yet to receive a copy of the loan history either by fax or in the mail all of which I am constantly requesting. I believe they are trying to milk up as much interest as they can and refusing to work with me.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-28
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. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-10
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. (WI)

I have called Transunion several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be removed from my report. Someone has tried to get credit in my name as I have the same company with hard inquires multiple times on my report. I am requesting removal.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2017-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

I COMPLETED A TITLE SEARCH ON MY PROPERTY AND FOUND AN ABSTRACT JUDGMENT OF {$4300.00} FROM ASSET ACCEPTANCE LLC. THIS WAS A CIVIL JUDGMENT FROM  XXXX   XXXX  CIVIL COURT. THIS JUDGEMENT ALONG WITH THE ORIGINAL DEBT WAS PLACED IN MY CHAPTER  XXXX  BANKRUPTCY WAS WAS FILED IN  XXXX  AND DISCHARGED IN  XXXX . THE FIRST THING I DO WAS CONTACT THIS COMPANY ASSET ACCEPTANCE LLC TO DISCUSS THIS ISSUE. THE PERSON IN CHARGE OF MY ACCOUNT IS NAMED  XXXX . SHE STATED THAT THEY WERE NOT AWARE OF ANY BK. AND THAT I NEEDED TO MAKE A PAYMENT OR SETTLE TO REMOVE SAID LIEN. I EXPLAINED THE SITUATION AND SHE INSISTED ON MAKING A PAYMENT. I ASKED HER TO SEND ME A DEBT STATEMENT OR INFORMATION. SHE STATED SEVERAL TIMES IN ORDER FOR HER TO PROCEED I NEEDED TO MAKE A PAYMENT. SHE BASICALLY WANTED ME TO ASSUME A DEBT THAT HAS BEEN DISCHARGED IN BK IN  XXXX . AND I TOLD HER I WANTED THE LIEN REMOVED AND SHE STATED TO PAY. I STATED I WOULD GO TO CIVIL COURT AND GET IT REMOVED. AND I WANTED TO TALK TO HER SUPERVISOR. SHE STATED SHE HAD NO SUPERVISORS AT THE MOMENT AND THAT HER 'S WAS GONE FOR A WHOLE WEEK. I NEVER RECEIVED A CALL OR BILL FROM THESE PEOPLE AND THEY ARE STATING OTHERWISE.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my ninth XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXXXXXX XXXX XXXX was paid in full. Equifax was still recording a balance. So I send them proof of balance paid. Equifax not only increased the balance owed by {$50.00} they closed lowering my credit score by XXXX points
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of my county as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED.

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and provide proper validation of a debt as requested. Despite my numerous attempts, the credit company has neglected to provide me with the necessary documentation to validate the debt, impeding my ability to address inaccuracies on my credit report. 

Below are the details pertinent to my complaint : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. Date of Request for Validation : XX/XX/2023 I have repeatedly requested the credit company to provide me with the following information, as mandated by the FCRA : 1. Verification of the debt including the original creditor 's name, the account number, and the amount owed. 
2. Proof of any signed agreements or contracts related to the debt. 
3. Documentation showing that the credit company has conducted a thorough investigation into my dispute. 
4. Any other relevant documentation supporting the validity of the debt. 

Despite my diligent efforts, the credit company has failed to respond to my requests within the guidelines stipulated by the FCRA. Their noncompliance with these laws has severely affected my ability to address and resolve any inaccuracies on my credit report. 

I kindly request your assistance in resolving this matter and ensuring that the credit company adheres to the FCRA regulations. I believe it is crucial for consumers to have access to accurate and transparent information about their debts, and I am deeply concerned about the credit company 's disregard for these regulations. 


I kindly request that you take appropriate action against the credit company to rectify this situation and enforce the necessary penalties for their failure to comply with the FCRA. Additionally, I ask that you provide me with updates on the progress of your investigation and any steps taken to address this matter. 

Thank you for your attention to this complaint and for your commitment to protecting consumer rights. I trust in the Consumer Financial Protection Bureau 's ability to address this issue and bring about a satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Management Corporation (SC)

receivables MGMT CORP account # XXXX Dear Sir/Madam, I am writing to you in response to your letter dated XX/XX/2024, referencing the above-mentioned account. Please be advised that I dispute the validity of this alleged debt and request validation and proof of claim in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, and the Fair Credit Billing Act, 15 USC 1666, along with other relevant statutes. First and foremost, I want to clarify that it is not my intention to evade any lawful obligation. However, before proceeding with any payment, I require proper validation of this debt. Therefore, I am requesting that you provide the following information : 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor 3. Alleged Account Number 4. Amount of Alleged Debt 5. Date That This Alleged Debt Became/Becomes Payable 6. Date of Original Charge Off or Delinquency 7. Amount Paid if Debt Was Purchased 8. Copy of Any Signed Agreement Alleged Debtor/Claimant Has Made with Debt Collector 9. Copy of the Original Promissory Note/Agreement 10. Account and General Ledger Statement Showing the Full Accounting of the Alleged Obligation 11. Identification of All Parties Having an Interest in Legal Proceedings Regarding the Alleged Debt 12. Name ( s ) of Person ( s ) Assigned as Trustee to Handle Corporations Affairs 13. Verification That You Have Not Purchased Evidence of the Alleged Debt 14. Verification That Certain Clauses in a Contract of Adhesion Are Enforceable 15. Verification From the Stated Creditor That You Are Authorized to Act for Them I am also requesting my Truth in Lending Disclosures as required under 15 USC 1635 ( a ) and the disclosures necessary to opt out of having my information reported to nonaffiliated third parties under 15 U.S. Code 6802. Furthermore, I am exercising my right under 15 USC 1692c ( c ) to request that all communication regarding this debt be conducted through the United States Postal Service. Please note that if proper validation and proof of claim are not provided within 30 days of your receipt of this letter, I will consider the alleged debt to be invalid, and you must cease all collection activities and remove all references to this account from any credit reporting agencies. Failure to comply with these requests may result in legal action being taken against your company for violations of the FDCPA, defamation of character, and other applicable laws. Thank you for your attention to this matter. I expect a prompt response within the specified timeframe. Sincerely, XXXX XXXX