davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: CITIBANK, N.A. (NY)

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 2021-07-12
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. (LA)

These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XXXX  XXXX XXXX  XXXX  2. XXXX XXXX XXXX  XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2021-07-11
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. (NC)

I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX  has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. 

They state that it is verified as accurate but have not provided me any of this information.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

I XXXX XXXX have provided Freedom Mortgage my current address and over last 2 months they have continued to change my information that would include my legal mailing address and residence. I have my personal online account that they have continued to block or allow a co borrower to change my password and email address. 
This property is in a forbearance and loss mitigation I am expecting legal documents that pertain to this property that requires my review. 
This property has been defaulted prior to the forbearance and need to know status of accounts.
Consumer complaint received 2021-07-11
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. (NC)

I called XXXX  explained that someone has stolen my identity and have been applying for all kinds of stuff. They added a fraud alert but did not remove the Fraud request that I told them about. I have attached the identity theft report with the things listed that should be removed.
Consumer complaint received 2021-07-12
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. (OH)

I have been working on my credit for over a year and a half. I've corrected most of the errors. Now they have put an old disputed collection back on my credit. I thought they couldn't do that. 2nd I've called the credit companies only to have them tell me they don't have any control over my score. My score hadn't changed in 6 months no matter how good I'm doing. So to sum up my complaints, I'm writing because they put an old collection back on my credit. I'm also writing about my score not changing. If they don't control what our credit score is them who does.
Consumer complaint received 2023-05-20
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: Synovus Bank (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: SIMPLE CAR TITLE LOANS INC (CA)

My vehicle was towed when I was at work back on XX/XX/XXXX. So I had to pay the release from police station and the tow to get my vehicle out on the XXXX and paid off the balance I owed which was XXXX and was told by the manager that I will receive my title in a week. Now its XXXX I just recently renewed my registration and noticed on the registration that it says Im the registration owner and XXXX XXXX XXXX is the title owner. So they never release my title.. I tried contacting all their phone numbers they have listed and I cant get through any of them they all have automated requires ext.. I tried emailing them still no answer, please help this was my first time doing a title loan and trust me is my last!
Consumer complaint received 2021-07-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (PA)

I received a robo / spam call on XX/XX/2021. I called the number back, spoke to XXXX at Ability Recovery Services on XX/XX/2021 at XXXX pm and had the following conversation regarding the following collection account being reported by your Company to the Credit Reporting Agencies. In my conversation with XXXX, which she said was recorded, we talked about an account you are reporting on my Credit Report regarding the aforementioned account. I old her I do not know who she was and the alleged account is disputed in its entirety. 

XXXX told me to pay it in full or Ability Recovery Services will report and continue to report the account to the Credit Reporting Agencies even though the account is disputed in its entirety. No address or contact information was given to me to contact the original creditor other that the name of a hospital. I was not given any further assistance in resolving this matter by XXXX. When I explained to her my only other alternative was to file a complaint in court, serve your company, the hospital and the Doctor and she told me to go ahead. She also laughed and said go look at your credit report. 

I have contacted the Original Creditor by phone and they do not have any records they can forward me. 

The XXXX Practices of Ability Recovery Services use intimidation, threats and causes intentional damage to consumers like me in order to collect monies they do not even know are owed.
Consumer complaint received 2021-07-10
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. (FL)

Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted
Consumer complaint received 2020-12-31
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: LEXISNEXIS (WI)

My name it's XXXX XXXX and I tried contacting Lexus nexus on a fraudulent act on there behave with false accusations on my DMV report. They have on XX/XX/2018 I was at fault in a accident. In which hand there is zero record of me being at fault for any accident. When I spoke to one of there receptionist on the phone they said an insurance company told them I was at fault ... That was not the case and how can they justify or take measures into there own hand by heart say with out getting facts. These accusations are making my insurance premiums sky rocket. Please help me resolve this matter with this company. I even went down to the XXXX WI Police department and they have no record of the accident they are claiming ... .Again my name is XXXX XXXX I live in XXXX XXXX WI XXXX and my phone number XXXX email XXXX. Last 4 of social security number XXXX ... .Thank you have a blessed day
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (CA)

I had a XXXX with a company named XXXX XXXX XXXXXXXX which dissolved and transferred to a company called innovative Loan Servicing. i received a letter on XXXX XXXX that the loan would transfer and XXXX would be the last month that my payment could be made and beginning XXXX i would be making my payments to Innovative Loan servicing. On XX/XX/2021 i checked my credit accounts and Discovered that i had been marked with a 30 day late for the month of XX/XX/2021. I called innovative Loan servicing several times and waited on hold for well over an hour and a half but no one ever answered. I emailed the email on file and still have not received a response. I paid by XXXX payment to XXXX XXXX XXXX om XXXX XXXX as i have for the past XXXX XXXX years. I am in the middle of a purchase and this has impacted me as my score dropped to below XXXX from an XXXX this is unacceptable and i need this to be rectified immediately but no one ever answers the phone or responds to any of my attempts to reach the company. I am providing proof that my payment was accepted and withdrawn from my chase bank account on XXXX XXXX. I will also file complaints with all 3 credit Bureaus to make the corrections. I am beyond upset that this company would make such an error as i take pride on paying all my payments in a timely manner.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-10
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. (FL)

Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a XXXX yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX is a third party vendor whom before XX/XX/2018 was associated with reporting to Transunion bankruptcies on credit reports. I am not a customer or consumer of XXXX and do not wish to be contacted via email or disclose my personal information to them, I have no association with XXXX and they do not have the right to have my personal information social security number, etc. XXXX is reporting false information to Transunion which is against the Fair Credit Act. XXXX and Transunion dismissed their professional relationship on XX/XX/2018. My identity is verified through Transunion whom is a credit agency with the Credit Bureau. Transunion needs to delete the bankruptcy off of my credit report.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app Transunion XXXX  XXXX  All show this info that was no fault of my own
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

All my accounts are paid in full 100 %. These are typos that these companies wont fix.The account is now under litigation the balance is incorrect and I need it removed from my credit report immediately.Remove all late payments for XX/XX/19 please.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Repeated rude customer service from Fifth Third Bank and I fell complaint against the bank already has let me to close my accounts and doing cell Fifth Third has kept the savings account open after I requested for it to be closed past it's close day they actually did not close the account until I threatened to file another complaint against the bank then they close that account I finally was able to close my checking account and trying to close the XXXX XXXXXXXX prepaid account the rude Banker who I've had issues with before told me to close the account I would have to withdraw the funds when I withdrew the funds and try to close the account the bank or I spoke with said that the account can not be closed because there withdrawal I made off that card was still pending I asked her why the gentleman that was the teller didn't tell me that and will drawing those funds I would have to wait to still close the account I've waited well over a week now for the account to clear of the small {$2.00} I took out of the account I was told that I could call back into customer service with the XXXX card and have it closed when I called into customer service they refuse to close the card I was bounced around to several different departments and at this point I'm not going to continue going back and forth to the branch and calling the customer service to have this prepaid account open this is the second fraudulent account that the Fifth Third bank institution has failed to close at my request
Consumer complaint received 2021-03-20
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. (CA)

There are 4 accounts that are on my credit report and they are not mine I have been disputing these since last XX/XX/XXXX and nothing have happened. I have opened an FTC for these accounts. I have not gotten anything back from the bureaus or the furnishers. 

XXXX XXXX XXXX XXXX - Acct # XXXXOpened XX/XX/XXXX U S DEPT OF EDXXXX - Acct # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX DPT EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX
Consumer complaint received 2018-06-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

A company named XXXX has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that Ace does not do business with XXXX and they only collect payments at ACE.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (UT)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

please review the following accounts that appear on my credit report, without any authorization, are not mine Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAP ONE Account Number : XXXX This is not mine. 
dentity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

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