davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My student loan account with XXXX/XXXX  was opened on XXXX XXXX and the account became active for repayment on XX/XX/XXXX. 

The account is closed and was paid in full on XX/XX/XXXX. This bank has been inconsistent in their reporting of this account, particularly by reporting it in good standing only after I filed a dispute and even then, they only updated 1 of the 2 credit bureaus with the accurate information. There are several months over several years where the data for payment and other account information has been reported as 'Unknown ' or not at all. 

Further, the first date of delinquency on this account was XX/XX/XXXX which is over 7 years ago yet this bank has failed to remove this account from the credit bureaus. All three credit bureaus have stated to me that the accounts should be removed. I contacted this bank, both by phone and mail, requesting that they update my credit reports. Instead of removing the accounts, they cherry pick a payment date and confirm it, keeping the accounts on the credit file. I spoke with this bank today, XX/XX/XXXX, and they attempted to do the same thing. 

They have failed to take the appropriate and lawful action to correct my credit profile. I have suffered as a result of this negligence in higher interest rates and credit denial. As a statement of fact, I have 13 other accounts on my credit file, all with exceptional payment histories. XXXX/XXXX  is the only adverse account on my credit file. This bank has been so negligent in their reporting that they reported the status of my payment for XXXX and XX/XX/XXXX as OK but then reported the status of my account for XX/XX/XXXX as 90 days past due. How is it possible to be 90 days past due in a month where the previous two months were reported as OK/Paid? This is but one example of the gross negligence of XXXX/XXXX  regarding my account. 

This gross negligence and neglect to my account in the credit bureaus appears to have been intentional as I have made this known to this bank numerous times. I am requesting that this account be removed from all three credit bureaus immediately and not reported to them again, as it has been over 7 years since the first date of reported delinquency. My next step will be to take legal action. I am also reporting this matter to the State Attorney General 's office.
Consumer complaint received 2022-09-29
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. (LA)

Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX {$3800.00}
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

On XX/XX/20 I received a collections letter with intent of legal action from Jefferson capital systems LLC, claiming they purchased a debt of {$590.00} from XXXX and offered a {$450.00} pay off to avoid legal action and garnishing by XX/XX/20. 

On XX/XX/20 I sent a certified mail with return receipt validation request, it was signed for on XX/XX/20, it is now XX/XX/20 and I have not received any validation paperwork from the company, its over 30 days and they refuse to verify the debt as mine.
Consumer complaint received 2019-01-29
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)

There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX  XXXX is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-02-28
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. (FL)

Experian is still reporting my information incorrectly for the XXXX XXXX XXXX XXXX credit card that I have with the company XXXX. XXXX the supervisor at XXXX, has already informed me via phone call on XX/XX/XXXX that the 2 months for XX/XX/XXXX and XX/XX/XXXX, have been updated on their internal system to reflect that I was NOT late for those months, and that I have 100 % perfect payment history. This information was also submitted by XXXX to all 3 credit bureaus. Also, because my account history is 100 % payments made on time, XXXX XXXX XXXX XXXX also approved me for a credit limit increase from {$1200.00} to the new credit line of {$2400.00}. Experian is still reflecting me as 2 late payments, the incorrect credit limit and has not updated to show that my current balance reported is {$30.00}, NOT {$69.00}. 

Please update because this will help boost up my credit score and will also keep my report up to date and accurate. 

Thank you.
Consumer complaint received 2019-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I sent my student loan company Navient a Principal Payment in the amount of {$30000.00} and they have not credited my account. The check has cleared my bank account on XX/XX/2019 and I included a letter of instruction with my check. I believe there is fraud or embezzlement going on with Navient and they have stolen my money. This is money I have saved for a long time and worked very hard to get my student loans paid off. Please help me resolve this and find my money. I am very distraught and I have tried to contact Navient and faxed them proof of payment and I can not get anyone to help.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JH Portfolio Debt Equities, LLC (SC)

I sent a letter to XXXX XXXX. on XX/XX/XXXX to cease efforts to me on my default credit card due to my XXXX, telling them that I intended to file for Bankruptcy chapter XXXX. My XXXX is XXXX  XXXX-XXXX, and a XXXX  XXXX  turned to XXXX. I fell into a XXXX  XXXX and have not filed yet. Part of my XXXX XXXX  XXXX  XXXX   was due to having been damaged by a XXXX during a XXXX  XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX  since this in XXXX of XXXX. Unfortunately, I opened the XXXX account when in an XXXX  XXXX  XXXX  XXXX  in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. 
On XX/XX/XXXX a company purchased my debt from XXXX and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX.. The company taking this action is XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 
I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX  condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. 
The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

I am a victim of identity due to the Equifax data breach and all items should be blocked/removed until this investigation is complete.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a victim of identity theft. Bank of America has been extremely unhelpful in getting all fraudulent accounts in my name closed. 

On XX/XX/2022, I discovered someone had fraudulently opened a checking account in my name with Bank of America ( " BofA '' ). When I called BofA to have the account closed, I was placed on hold for almost one hour before finally reaching a representative. They told me they had closed the account, and that they would send a letter of correspondence to my address. I noted that the address on the fraudulent account was NOT correct, and the representative stated that they would note the correct address on my case to ensure accurate delivery. I was told the request for a letter would take 24 to 48 hours. 

On XX/XX/2022, I discovered another fraudulent checking account in my name with BofA. I called BofA again, and they stated that they had closed the account. I asked them to confirm the address the letter of correspondence would be sent out to. They, again, gave me the incorrect address. I, again, gave them the correct address, and they stated they would make a note on my case to ensure accurate delivery. They refused to provide anything in writing, stating they were unable to do so. 

On XX/XX/2022, I discovered ANOTHER fraudulent checking account in my name with BofA. I called BofA again to close the account. I asked the representative why I had not received my letter yet, neither by email nor snail-mail. They stated that their analysts had the request, but it would take " additional time '' to process. I requested escalation to management. The manager I spoke with put in an expedited request for the letter 's delivery. When they attempted to confirm the address, they STILL had the incorrect address on file. The manager assured me the correct address would be notated in the expedited request. 

On XX/XX/2022, the letter of correspondence was sent to the wrong address despite numerous attempts at correcting the mistake. 

On XX/XX/2022, XXXX XXXX ( " XXXX '' ) notified me of a FOURTH fraudulent account with BofA. This account was opened on the same day as the third account, and was open for almost two weeks before it was closed on XX/XX/2022. At this time, it was revealed that NOT ONCE DID BofA FLAG ME AS A VICTIM OF IDENTITY THEFT. This is why the perpetrator was able to continue opening fraudulent checking accounts in my name. I was told - again - that I could not receive anything in writing confirming anything that transpired over the phone with BofA representatives, and that I would have to, yet again, wait for a letter of correspondence.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC (CA)

I was checking my credit report, noticed a collection account, an account that I've never heard of. 

Nelson Cruz Associates XXXX XXXX XXXX in the amount of {$640.00} opened on XX/XX/2021 That's impossible! I DID NOT OPEN ANY SUCH ACCOUNT! The company has extremely limited contact information, no address nor phone numbers.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform www.XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by www.XXXX. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind wwwXXXX. After transferring to the XXXX address, the cryptocurrency was cashed out with a Coinbase-controlled cash-out wallet. Based upon the understanding that www.XXXX is acting compliant and will provide the due care towards its own walletholders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, as of the date of this complaint, www.XXXX has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, www.coinbase.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, www.XXXX  does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.XXXX represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I am trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies remove all fraudulent accounts immediately. 
XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX {$2100.00} The following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following names are also not correct and appear on my credit report XXXX XXXX and XXXX XXXX. There are also a number of accounts in collection that need to be removed XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$800.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$730.00}, XXXX XXXX XXXX {$610.00} and XXXX XXXX.
Consumer complaint received 2022-09-29
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. (AR)

i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXX XXXX XXXX XXXX in amount of {$520.00} opened XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  in amount of {$260.00} opened- XX/XX/XXXX XXXX XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX XXXX  original creditor XXXX XXXX  in amount of {$1400.00} opened - XX/XX/XXXX XXXX XXXX  - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX  - balance {$57000.00} opened XXXX XXXX XXXX XXXX  balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} opened XX/XX/XXXX
Consumer complaint received 2022-09-29
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. (AR)

i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXX XXXX XXXX XXXX in amount of {$520.00} opened XXXX XXXX XXXX XXXX - original creditor XXXX XXXX XXXX XXXX in amount of {$260.00} opened- XX/XX/XXXX XXXX  XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX  / original creditor XXXX XXXX  in amount of {$1400.00} opened - XX/XX/XXXX XXXX XXXX  - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX - balance {$57000.00} opened XXXX XXXX XXXX XXXX balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX - {$500.00} opened XX/XX/XXXX XXXX XXXX XXXX - {$440.00} opened XX/XX/XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

National Credit Adjusters owes me XXXX XXXX for the damages and violations against me XXXX XXXX The Natural Person & Consumer. NCA sent me a letter stating I owed a debt. In this letter was numerous violations that NCA IS AWARE ABOUT! I have attached an affidavit of truth
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MO)

Lexis Nexis has violated my rights as a Federally Protected Consumer by reporting my personal information inaccurately. There are illegal names, Illegal addresses, and phone numbers being reported on my consumer file. I can not receive mail or any correspondence nor do I have access to any of the outdated addresses. 
I have also demanded my social security number, date of birth and year of birth be removed for privacy reasons and yet LEXIS NEXIS is still reporting this information. I sent a second Certified Mail Letter on XX/XX/year>, requesting this outdated information be deleted immediately, and have yet to receive a response from LEXISNEXIS.