davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both EXPERIAN and XXXX XXXX XXXX and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at Experian or XXXX XXXX XXXX in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (MD)

The company ( LVNV/Resurgent ) accepted a financial settlement with XXXX XXXX XXXX on XX/XX/2020, but continue to report a negative credit balance to the credit agencies even though they have been receiving {$61.00} since XX/XX/2020. This is elderly abuse in my opinion.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

we have sent payments every single month and company SLS can not figure how to process them. Now they sent one payment back and changing payment history by 30 day late for 3 months after giving us a refund of 1 payment they took 90+ days ago and bank records confirm it sent on time. Now posting monthly payments as late because of their own accounting probelms ...
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 at I sent certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that EXPERIAN used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. Out of 16 requests for verification of accounts. ZERO items were deleted. I requested for EXPERIAN to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. 
Furthermore, on XX/XX/2020 I sent a second certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. I received written communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. I received the same results as the previous EXPERIAN communication. FCRA requires EXPERIAN to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EXPERIAN received and used to verify the information being reported and maintained in my file. EXPERIAN must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ). I have requested the exact same information from XXXX and XXXX. They have deleted the items of dispute. How did Experian verify these accounts and disputes while XXXX  and XXXX  could not. I will be attaching letters of deletion to this complaint.
Consumer complaint received 2020-06-15
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. (IL)

All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof
Consumer complaint received 2020-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (NJ)

We had loans originated through XXXX ( XXXX  XXXX XXXX XXXX ) in XXXX & XXXX. They were transferred to ACS Education Services, and were subsequently transferred to XXXX XXXX XXXX. During the transition period, we were making payments to ACS. ACS stopped answering the phone, and their website no longer works ( which is not much of a change when they were in business ). Our loans are now serviced by XXXX, and from XXXX to ACS to XXXX we have been making regular monthly payments on the same loan through multiple servicers, and at one point had to make payments to both XXXX and ACS, ACS was supposed to send a refund, they did very late, and we have recently found the checks they sent us. They don't answer the phone, the website tells us to speak to our current servicer ( not their issue ), the bank won't take the checks for deposit, and letters written to their address ( XXXX XXXX XXXXXXXX, XXXX, NY XXXX ) are not responded to. I would like the checks reissued, and I would like a final statement of payments, credits for interest and principal, and a starting and final balance for the times they were servicing our account.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-27
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. (TX)

TRANSUNION AND XXXX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (IL)

All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I have a XXXX XXXX credit card account ( account # XXXX ) with a XXXX limit which is only reporting to XXXX. This account is not reporting to Equifax and XXXX.
Consumer complaint received 2020-08-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NC)

I have requested a mortgage note online through loancare mortgages website. After not receiving the document for two weeks I spoke with a person who put the request in. After not receiving it for the second time I spoke with another representative who then told me that the request was never submitted. She put the request in and the very next day I received a policy rider as opposed to a Mortgage note. I spoke with a fourth representative today who told me it will take 30 days to obtain a mortgage note. I am in the process of refinancing and I believe they are Withholding this document and deliberately pushing back their turn around time because they are aware I am not refinancing with them.
Consumer complaint received 2020-04-14
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. (NC)

During XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX   runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
Consumer complaint received 2020-08-04
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. (GA)

This is not my account. Please provide the original instrument of indebtedness or remove. This account has all kinds of errors. How could you be late on account that is charge-off. There is no activity and last payments and history is inaccurate. In addition to that I do not recall this account, so please provide method of verification as well.
Consumer complaint received 2020-04-14
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. (NC)

During XX/XX/XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX K of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (WA)

on or around XX/XX/2020 i contacted Sequium asset solutions in an attempt to settle a debt owed to XXXX XXXX. The original debt claimed was {$500.00} ( which I dispute the amount owed ) After talking to a representative i was told they would settle for {$120.00}. I agreed to this settlement and paid it in full. Approximately a month later i noticed that this item was still reporting as collections for the same amount, so I disputed the transaction with the credit bureaus. The dispute comeback unchanged the collections where not closed and the amount owed continued to be {$500.00}. At this point i contacted the company again. I was then informed that the {$120.00} was not enough to settle the account. I then proceeded to ask why they hadn't even applied that towards the collections. The representative was vague and could not give me any answers. This company has made a false contract and collected funds towards the collection under false pretenses and as of XXXX they have not applied the amount toward the debt or refunded the amount.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a zero balance on my credit card with Bank of America. They took out an automatic payment of XXXX dollars from my XXXX XXXX  account on XX/XX/2020. I have called them multiple times to see if they would refund it. They tell me I need to give them my bank account info over the phone for them to refund my money. I find that suspicious since they have my account number to take out XXXX dollars from my bank. I asked them why they would do an auto payment for XXXX dollars if the balance is zero and I do not owe them anything. They told me oh that is what we always do unless a person cancels the auto payment. I find it interesting that Bank of America takes money from people even when they owe them nothing. A short if statement in their computer program would make this never happen. It is simple if balance is less than or equal to zero and does not rip off money from the consumer. I even asked if I closed the account if they would still need my personal bank info and they said yes so they could refund me the money. So if I closed my account they would keep XXXX dollars of my money I did not owe to them.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc. (MS)

These following companies flagged my accounts as Collections without my consent or knowledge of it being a known account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Medical Data Systems I oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with F.H. Cann & Associates , Inc. dated XXXX XXXX XXXX, regarding the XXXX XXXX XXXX XXXX Account No. XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP (CA)

During my honeymoon i bought a timeshare with XXXX XXXX. I opened a new credit card to open the package and a month later i received the credit card in the mail. I was told the package came with free cancellation so never activated the card because i did not need to use it and just pay through the company, XXXX XXXX. Turns out the company of the credit card was XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX. I then get a call from a Debt Collection company named Capital Management saying i have an outstanding debt to collect and that i need to pay. Im getting ready to refinance my home so i agreed and payed the debt collection company what i owed every month. I go in to refinance my home and sadly was denied, the lady helping me told me that a closed account from XXXX XXXX XXXX was a major reason why i was denied and i told her that they SOLD MY CASE to Capital Management who i was now paying what i owe to. My case was closed XX/XX/2020 from XXXX XXXX XXXX and sold to Capital Management who i have been paying monthly till my total debt is payed off.