davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

This company has failed to send me written notification of this false debt in which I received and the only way that I found out about it was through reviewing my credit report a couple of weeks ago. So I called in and asked about this debt and told her both verbally and by email ( written notification ) that I wanted to dispute the validity of this account because there is absolutely no way that it can belong to me. As of today, nothing has been done regarding having this debt being verified and validated as requested. They have refused to remove it from my credit report while they investigate-if they are even investigating it, and this is against the Federal and State laws put in place to protect consumers from illegal debt collection practices from these debt collectors. Furthermore, as I have told them via written notification and verbally, this debt does not belong to an individual person, it never has, nor has anybody been liable for it personally or individually as it was set up as a California Corporate XXXX  Account with the use of the assigned Corporate Employer Identification Number given to the Corporation by The Internal Revenue Service back In XXXX of XXXX  to set up this account. No officer, shareholder, or Executive member of the corporation was ever in agreement or has signed any document making any individual liable, or to personally guarantee this account at any time. This is solely a business account that was solely setup as a business account making only the corporation liable as it's sole and separate entity. These guys have damaged my credit and given me unspeakable amounts of stress and has brought on both XXXX  and XXXX XXXX to me as well. This is my last attempt at trying to reason with this company and for them to remove this false debt from my credit report before I seek further legal action against them and XXXXXXXX  ( the original creditor ) for falsely trying to make an individual officer of the corporation liable without ever having authorization from that individual to do so. I want to see a physical signature with my name and my social security number handwritten on the application form as part of their verification of this debt. This is the only way that I will accept as valid proof of this debt ever being my own and not the corporations. However, they won't because their is no such document available because I never signed it or used my personal social security number. Also, this entry in the credit reports maintained by all three of our national credit reporting agencies needs to be removed at once while they investigate this further, and not to wait until after wards to remove it. It needs to be removed now before they investigate per law regulations.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Due to Identity theft I wish to have the attached items deleted from my credit report. The items I need deleted will be listed in a document attached with this report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have enclosed of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items attached as soon as possible.
Consumer complaint received 2021-01-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX  XXXX XXXX  XXXX EXPERIAN ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (NY)

This company keeps flagging my credit report for a balance owed that I NEVER requested. I have no business with NATIONAL CREDIT ADJUST. The keep harming my credit. I NEVER requested no services nor goods from this people.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have sent the company Experian and email twice within the last 3 months requesting to cancel my membership with them. I have not received a response from them and they continue top charge my card for said membership. I've tried contacting them through their phone number and as of XXXX XX/XX/2020 i am still on hold. It is almost XXXX on the same day. This is absolutely frustrating, they don't want to help you. They don't have a way to cancel your membership yourself so you are forced to call them and wait long hours just to get to a human. I am fed up with this company and will NEVER recommend them to ANYONE.
Consumer complaint received 2020-04-04
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)

MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have only had XXXX XXXX, XXXX and XXXX XXXX XXXX . I had XXXX XXXX   since the XXXX 's. Then switched to XXXX XXXX XXXX when I moved to XXXX XXXX   in XXXX, I moved back to XXXX in XXXX and started with XXXX then back to XXXX XXXX XXXX. I was checking out my Credit report a few years ago and noticed there was a bunch of addresses, phone numbers, names, inquiries, & debts. I clicked on all the stuff that wasn't mine like XXXX. Time past, I forgot about it. I was able to get a free credit look through different places. I called XXXX and disputed a bunch of stuff. Nothing got removed. I would keep getting people from the XXXX. I called XXXX. I gave them my SSN, the agent said the name and address was not under XXXX or the address he gave me was not mine. I called XXXX  again, and spoke with someone who managed to get some stuff off. The XXXX finally was gone. about 6 months ago I noticed there was inquires that was not mine. I called and spoke with someone who spoke English. She got rid of all the stuff that was not mine. then a few months later a new debt was there. It seemed that XXXX XXXX bought XXXX and now they reported it. I dug through all my bank statements. I was able to go as far back as XXXX. I highlighted my XXXX XXXX XXXX payments. I told them that I couldn't have lived in two places at the same time and have two different phone bills. It didn't make sense. Even with the proof, I called XXXX XXXX, they had not go one call from XXXX  to check if that account belonged to me. They said they would have a record. I mailed the same proof to XXXX XXXX  to dispute this. They say send supporting evidence, and I do and they still will not remove this. If you look at my credit, it was good then you can see where XXXX came out of nowhere. The XXXX dropped off and now it's like they found a loophole to keep putting a debt back on a credit report after statues of Limitations. This sounds illegal. It's not even mine. I don't know what else to do. The police can't do anything except make a report. My wallet was stolen at the beach at one time. I don't remember when exactly. I lost my passport many years ago. I reported this all.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXX Balance : {$140.00} ; NXXXX XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

After checking My credit report today, it has come to my attention that Enhanced Recovery Company a debt collector is attempting to collect on a debt that I have no recollection of and/or do not own. ERC has added this debt to my credit report without any formal communication to me. They have also failed to properly document this debt as valid. At NO POINT did I have a debt with XXXX the original creditor cited on the ERC listing on my credit report. This company has hurt my credit rating by 24 points after I have worked so hard to fix my credit. I NEVER owned an account to XXXX and I nor do I owe anything to ERC as I have NEVER dealt with this company as well. The amount the claim thats owed is {$960.00}.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Experian keeps old accounts listed on credit reports as if those accounts are still active. Experian is also lowering scores in order to promote Experian boost. The are constantly trying to sell goods and services pertaining to improving individuals credit which is unethical when it's Experian that interprets individuals information and dictates the score.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (WA)

I have a {$26000.00} credit card balance with American Express. I was with them for 21 years as a customer. A couple of months ago, I had run into a few delays on a XXXX XXXX I'm working on. 

After 21 years, Amex decided to cancel my account, confiscate my points and demand payment in full of my account. 

Amex has a policy of giving its customers four months before it sends an account to collections. But now, just 6 weeks after I last made a payment, they have sent my account to collections, even though I told them I needed one more month. Coronavirus has tanked my income, but in the middle of all of these companies offering forbearance for people whose businesses are suffering from Coronavirus - Amex JUST SENT ME TO COLLECTIONS THIS WEEK. I JUST GOT THE LETTER. CAN SOMEONE TALK TO AMERICAN EXPRESS? I TOLD THEM I WOULD PAY THEM. I HAVE MULTIPLE XXXX FOR SALE. IF I SELL ONE, I CAN PAY THEM IN FULL, BUT NOW THEY ARE GOING AFTER MY CREDIT. 

AMERICAN EXPRESS DOES NOT CARE ABOUT XXXX XXXX, IT ONLY CARES ABOUT THE APPEARANCE OF CARING FOR XXXX XXXX. BY THE WAY UP UNTIL NOW, I HAD A XXXX CREDIT SCORE. AFTER THEY ARE DONE WITH ME, I'M SURE IT'LL BE MUCH LOWER. AMERICAN EXPRESS IS NOT FOR XXXX XXXX.
Consumer complaint received 2022-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

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 Bank Of AmericaXXXX {$500.00} ( Account # XXXX XXXX XXXXXXXX XXXX XX/XX/21 {$2000.00} ( Account # XXXX XXXX XXXX  XX/XX/21 {$2000.00} ( Account # ending in # XXXX XXXXXXXX XXXX 15 U.S.C . 1681 sec 602a 15 U.S.C. 1681 sec604a Section2 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 )
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i even sent a letter to get multiple inquiries removed ... .claimed they never got it so i'll just attached it to here so they won't claim they didnt get it ... .there is inquiries i never authorized and trying to have them removed ... heres my identity once again so they know its me
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for Bank of America XXXX XXXX XXXX XXXX in XX/XX/year>. During the process, Bank of America requested me to remove the freeze I placed on my Credit File with XXXX XXXX XXXX XXXX. I called Bank of America and spoke to Bank Representative to inform her that I removed the freeze as requested. She informed me to hold until she gets my credit report to review and to make a decision. She did and then came back to inform me that my application was approved and a credit limit of $ XXXX was established under my account and I should be receiving my New XXXX within XXXX days. 
The New Credit Card never came and then, I received a letter from Bank of America ( See Attachment ) that they needed additional information from me to finish the review of my application. 
That is not a Fair Credit Process nor an Acceptable Business Practice that after approving an application and setting the credit limit and then, informing me that my application was approved for a $ XXXX credit limit, for Bank of America to unfairly add additional hardship on me as a XXXX XXXX and request additional information which they did not even communicated to me at the time of approving my application. 
This act from Bank of America is not right and it is not in accordance with the Equal Credit Opportunity Act and especially, for XXXX XXXX. Bank of America should not put additional hardships on XXXX XXXX. As of today, I have not received my Approved New XXXX from Bank of America.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Have long disputed XXXX debt with XXXX XXXX. This has resulted in tradeline being suppressed by both XXXX and XXXX yet Equifax is continuing to not only report but, also allow charges off account to report as late each month
Consumer complaint received 2022-10-03
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: CLGF Holdco 1, LLC (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2020-03-26
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)

Back in XX/XX/2019, a credit monitoring company, XXXX, tried to remove XXXX  XXXX Inquiry on my behalf from Equifax, but Equifax has not removed this fraudulent inquiry from my credit report.
Consumer complaint received 2020-03-26
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: Experian Information Solutions Inc. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XX/XX/XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-28
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-11-04
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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I submitted my application for PSLF based on federal employment in XXXX 2022. I received a notice in the mail approximately XXXX 2022 stating that there was additional information required. Due to the length of time it took to receive the notification in the mail, it was outside of the window to provide an update, and required a new application, which I submitted via fax XX/XX/2022 and there was no response from MOHELA. A second application was submitted in XXXX 2022 via USPS mail service ; to date still no response. I checked their website and there has been no updates to my account since XX/XX/2022. I have no knowledge of the status of my application, or if it was even received. There is no response from MOHELA and attempted phone calls have been met with XXXX hours wait time and the inability to reach an actual human with whom I can speak. As the contracted provider for PSLF, the lack of communication and reporting of status if unacceptable. The deadline for submission has come and gone, and I have no idea if my application was even received in time based on the lack of updates from MOHELA. I need to know if my application was received and is being processed to have my loans transferred to MOHELA as the sole servicer for PSLF.
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX