davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
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: LEXISNEXIS (FL)

This is A FRAUDULENT bankruptcy being reported under my name inaccurately. I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Consumer complaint received 2020-04-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

I had contacted Citi Bank on XX/XX/2020 to close my Citi XXXX account ending in XXXX and on the same day I had them close my regular Citi checking and savings account which they did. I told the man I spoke with that I wanted to close all three accounts and he assured me they would definitely be closed. The individual for whatever reason didn't close the Citi XXXX account and now they have charged me a $ XXXX  monthly service fee and show the account as overdrawn. The account was already at a XXXX  balance which is why I called in the first place to close the account. There is absolutely no reason for this fee since I made the big effort to call and close the account and I had to wait for over an hour on the phone.
Consumer complaint received 2023-07-20
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX, TXXXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXXX/XX/1977
XXXX



Name: XXXX XXXX XXXX  Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE


Name: XXXX XXXX XXXX
Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX  Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX
Acct # XXXX
Balance: XXXX XXXX  This account isnt mine/ ID Theft


Name: XXXX XXXX
Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE
Consumer complaint received 2021-01-13
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: CL Holdings LLC (NC)

On multiple occasions, I have asked that this debt be verified as mine and neither the company nor credit bureau furnishes proof that said debt is mine. This debt does not belong to me and should not be reporting to my credit report.
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2022-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I was originally told on XX/XX/2022 that it would take 4-6 weeks for a refund for payments made during COVID under the CARES act. I am now being told it will take 10-14 weeks. This is not consistent with guidance provided earlier. Please assit.
Consumer complaint received 2020-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX at XXXX  school. Someone opened a card with a XXXX line of credit when I was just a XXXX. I disputed it 100 times and no one wants to help me
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-11-05
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. (CO)

In XXXX of 2022 I thought a payment was on autopay for XXXX but was wrong. I caught the error almost in time and called XXXX to pay off the full amount. At this time it had not been reported to the beuerues and the rep told me if I ended up hitting my credit to call to have it removed. I called both Experian and XXXX and the account still indicates a 30 day late payment. This dropped my score close to XXXX points and I don't know what else to do but file a complaint here. My credit payment history is not a liability and now my report is showing multiple missed payments and that is not true. Please help me get this removed so I can continue making true progress in managing my finances well.
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My account with bank America was closed due to multiple agencies taken money off my card an account with out my knowledge. XXXX kept charging me for services after calling them to let them know I was not getting services. I then bought a XXXX XXXX  from XXXX XXXX during the pandemic an paid for services and never received the services. I received a settlement on my bank account in which a rental vehicle place took money off my account when I had insurance on a the time And XXXX XXXX  or other rental company took an extra XXXX or more off my account. XXXX XXXX took multiple transactions off my account while renting also when I was locked out a vehicle twice when scheduling on the app and speaking with the representative who put the money back on my card it was taken back off. I have been trying to meet with a bank of America representative to discuss my account an to nonavailability it's been XXXX yrs I have been trying to repair an remedy this situation. I am XXXX an my account was closed ant my taxes was deposited to this account and I am missing some money from my taxes in this same account. When I call the other agencies to get records or paperwork no one will give me the info I need to prove money was taken out my account.
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX 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 a account without my written instructions.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (WA)

XXXX XXXX XXXX had two accounts that need to be paid off. I contacted them to make arrangements and paid off the debt. The debt was for service in XX/XX/XXXX services totaling {$36.00} per service. XXXX stated the debt had been paid off, and nothing else was due. GREAT! 
On XX/XX/XXXX, I received a debt collection notice from Commonwealth Financial Systems stating I owed XXXX a bill of service date XXXX for {$250.00} and added this debt collection on my credit report, which dropped my credit score 31 points. The two service dates for the service in XXXX was total charges due for service of {$36.00}. I talked with my same insurance company, which stated after payment from insurance, an additional adjustment was made. This process should be consistent with the XXXX service date. 
I have talked with XXXX and waiting for a 48-hr return call. I do know the collection agent and XXXX have my incorrect address. 
During the XXXX service date of XXXX, the service provider employee stole my wallet ( in transport ) with Credit Cards. This incident was reported. 
Thank you for your attention.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I told the Experian, XXXX, and XXXX to reinvestigate those accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. As this is in Violation Of 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft and under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

1. Account Name : Unknown Account # : XXXX 2. Account Name : Unknown Account # : XXXX 3. Account Name : Unknown Account # : XXXX 4. Account Name : Unknown Account # : XXXX 5. Account Name : Unknown Account # : XXXX 6. Account Name : Unknown Account # : XXXX
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per my last letter, XX/XX/2020, I asked your company to provide me with legal and validated evidence in which your customer service agent, XXXX, claimed was provided to your company by the creditors in this complaint, that warranted the resubmission of such accounts to my credit profile despite the fact that they were accounts legally identified as identity theft. 

My letter simply exercised my rights under FCRA rule section 11 ( a ) ( 6 ) and ( 7 ), the consumer has the right to request method of verification and that the bureau has 15 days to furnish their evidence. As of today 's date, XX/XX/2020, I have not received such evidence and it is 70 days past the allowed response time. 

I have been told my police report was invalid and that my FTC report was a fraud, I was lying, accounts couldn't be removed, everything possible to keep from proving to me why these accounts were reporting on my report. Both documents were notarized and on proper and legal letterhead/paper from their individual agencies per all legal policies and advise. I have sent in ID, proof of address, etc ( all of this is already on file with your company ) yet your company will not remove or prove these accounts belong to me. Your company is refusing to provide me with the proof, I am legally obligated to obtain by law that proves the accounts belong to me.
Consumer complaint received 2020-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank USA N is reporting Acc # XXXX Balance of {$300.00}. I've never had such an account like that EVER. This is FRAUD and I demand for Capital One to remove this erroneous account off my credit report immediately. Capital One got compromised a couple of years ago and people 's informations are probably other in the black market. The FCRA consumer law states that everything has to be reported 100 % accurate if not they must be removed. This is hurting my credit and it does not even belong to me.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Due to the coronavirus pandemic -furniture I bought XX/XX/XXXX with delivery at that time was XX/XX/XXXX delivery since ( Understandably ) delayed until XX/XX/XXXX - store card credit Synchrony is insisting my first payment will be due XX/XX/XXXX or I will be penalized with late charges Spoke to customer care for XXXX and also Synchrony credit card - to no avail- No one expected this coronavirus impact but is it fair for me to pay ahead for something I dont have and honestly dont know if will get on XX/XX/XXXX - Also was going to cancel order b/c of this issue but will be charged a 15 % restocking fee! I have worked hard to rebuild my credit and do not want my credit ruined over this I think its truly unfair to ask for payment of something that is unclear when it will be available
Consumer complaint received 2019-04-15
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. (MO)

I'm disputing the following accounts XXXX And XXXX {$1500.00}, XXXX XXXX   {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RFNA, LP (LA)

On XX/XX/2020, I pulled my annual free credit report. to make sure all was in order. I noticed that Republic Finance had a Hard Inquiry on my report that I did not authorize. Right away, I called the number that was listed ( XXXX  ) XXXX and left a message. This was their corporate headquarters. I called again on XX/XX/XXXX because I had not gotten a call back. The person answering the phone said someone in compliance would have to call me back. I did get that call later that day. The Representative told me that they were allowed to pull my credit. I asked her where that was in writing because I never received anything with that language. I I asked her why was I not mailed anything as a result of them pulling my credit. She said she does not know why. She this had happened before with others and had been noted but I would need to dispute this at the Credit Bureau then they can investigate this process. She mentioned that their system does not distinguish between Hard and Soft inquiries. Someone from the local office called to see if I wanted more credit from them and said no and asked her why was their a hard inquiry on my credit. She said it was their policy. I asked her to send me a copy of that policy. I have not hear back from her. Spoke to XXXX  today and was told they can not dispute Hard Inquiries.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Remove the fraudulent accounts on my credit report now! Other bureaus did it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. XXXX XXXX XXXX andXX/XX/XXXX. Please delete immediately.