davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
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. (OH)

I disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with XXXX XXXX and Transunion and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-08-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

https : XXXX This petition says it all. You can never pay it off. I have paid XXXX $ mo. And paid what was owed but 140 % interest keeps causing it to go up! One of their loan persons admitted you will never be able to pay it off by payments. One supervisor told me learn to walk. We get your car.
Consumer complaint received 2020-08-08
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: BBVA FINANCIAL CORPORATION (AL)

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX XXXX XXXX XXXX. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Consumer complaint received 2022-09-15
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. (CA)

The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on Experian and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX XXXX Case No. XXXX. 
On Experian and XXXX- the false reporting did not happen until after i already filed the lawsuit against XXXXUS Dept of Ed . I showed both Experian and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name Experian and XXXX in the 2nd lawsuit. 
FYI- I also showed Experian that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from Experian but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (IL)

During year XXXX to XXXX I had Business account with Citi bank Citi bank opened up several accounts on my business name. when I pay the charges it goes to different account and loan amount shows the same amount remaining. 
I have all statements and account available. Citi bank sued me for {$47000.00} they got the judgement I do not have money to represent my self But I do have all fraudulent papers to prove wrong accounts open and how the bank officers made fraudulent transactions.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have disputed a bankruptcy showing on my Experian credit report about 5 times each time Experian avoids validating the bankruptcy once they stated the information was from US Bankruptcy counts I contacted the courts and I have Proof attached that they DID NOT provide this information to Experian ... XXXXI also received a copy of my credit report where Experian states the source of the bankruptcy is XXXX XXXX I have enclosed proof from XXXX XXXX that the bankruptcy not come from them ... .Experian closed my previous dispute I file on your website by stating the information appeared not to be from me although I provide my photo Id with address and supporting documentation this is Experian way of not complaining .... 
Enclosed letter from bankruptcy courts Letter from XXXX XXXX Photo ID Copy of credit Report Previous dispute documents
Consumer complaint received 2020-08-08
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. (NY)

I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only 45 % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XXXX XXXX, XXXX XXXX XXXX paralegals informed me that XXXX, Equifax, and XXXX  ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, XXXX Equifax, and XXXX, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/2020, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. XXXX refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.
Consumer complaint received 2021-07-06
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: Southwest Credit Systems, L.P. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-08-08
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-08
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. (FL)

There are fraudulent accounts on my credit reports I have been disputing with no luck. 

XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file an identity theft claim and have included that file.
Consumer complaint received 2020-08-08
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)

There are fraudulent accounts on my credit reports I have been disputing with no luck. 

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 I had to file an identity theft claim and have included that file.
Consumer complaint received 2020-06-17
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. (NY)

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Consumer complaint received 2020-08-08
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-08
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: Holloway Credit Solutions (AL)

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Consumer complaint received 2020-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To whom it may concern : I am trying to save my home and the lender is saying I have old history with Bank of America, XXXX and XXXX XXXX. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you XXXX
Consumer complaint received 2020-08-08
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: JPMORGAN CHASE & CO. (NJ)

To whom it may concern : I am trying to save my home and the lender is saying I have old history with XXXX XXXX XXXXXXXX, Chase and XXXX XXXX. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you XXXX
Consumer complaint received 2020-08-08
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. (FL)

There are fraudulent accounts on my credit reports I have been disputing with no luck. 

XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had to file an identity theft claim and have included that file.
Consumer complaint received 2020-08-08
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (CA)

This seemingly illegitimate debt collection company has repeatedly called me even after I have told them not to call me and to only send mail correspondence. The debt collector was extremely rude and offensive. I asked for a settlement offer and the agent on the phone was very demeaning and said that I had to pay the full settlement immediately on the same day or that it would be void and that I would not be offered a settlement amount again. I told her that I absolutely want to pay the amount offered, but that I wanted something in writing prior to paying that amount as proof that they were going to accept that said amount to settle the account out. She refused to email me something and said that they could only mail me something which would in turn void the settlement offer that she was offering me. This is shady business practice and I don't feel comfortable paying a company that operates in this fashion so I attempted to contact the hospital where the bill was incurred and they informed me that they could not recall the account and that I had to deal directly with this shady collection agency. From what they've been putting me through I do not feel obligated to pay this debt and would like it removed from my credit report immediately. Please let me know the steps to take from here. Thank you for your time.
Consumer complaint received 2020-08-08
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Consumer complaint received 2020-08-08
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. (LA)

Experian refuse to delete a collection that clearly cant verify that its my account this account was deleted from the other two bureaus because they failed to verify that its my account. I have reached out to the company personally no information was provided and they hung up the phone on me. This collection is stopping my process of purchasing my home. I need this inaccurate account deleted immediately. I have send documents pictures of screenshots deleted from other bureaus Im confused on why EXPERIAN wont delete this bogus account. XXXX XXXX XXXXXXXX is the name of the furnisher.
Consumer complaint received 2020-08-08
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: JPMORGAN CHASE & CO. (TX)

There are several unauthorized inquires on my credit report with JPMCB on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. i also have file an identity theft report with the federal Trade Commission
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED 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 Company Inquiries : 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