davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
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. (IL)

I have several accounts appearing on my credit report that are fraudulent. I filed a police report and reported these account to the FTC. I also reached out to Equifax directly to dispute these accounts. I provided them with my police report and identity theft report. I received an email from Equifax stating that my dispute has been completed, however nothing has changed. 

I called them last week and was told by a representative that the accounts are still under investigation, however their website says that the dispute has been completed. 

1.XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX All these accounts are fraudulent, I have attached my police report and identity theft report.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2021-10-11
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. (TN)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, XXXX shows XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?
Consumer complaint received 2021-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (MD)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. It is cause by fraud.
Consumer complaint received 2021-01-07
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)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MO)

XXXX XXXX XXXX signed me up for a credit card for a timeshare.We attended a presentation at XXXX XXXX XXXX in XXXX on XX/XX/2022. This was supposed to be a good thing for my family and it has turned into something Im not gon na be able to afford to use due to all the extra costs they lied about. We were lied to about being able to take 2 trips a year and them only costing XXXX points each. To take one trip with my entire family I would have to buy 2 years worth of points if the booking was through XXXX XXXX. Then the armbands are actually XXXX or XXXX dollars per person/per day, the per day was never explained or said to us. On top of all this the free trips they gave up are only valid for XXXX people and XXXX of them have to be under XXXX XXXX XXXX, another thing they never mentioned to us. All this deception is why we feel we should be able to cancel our timeshare membership. We were lied to and our credit was run without permission on a credit card that we did not authorize XXXX XXXX to charge
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (GA)

I sent a letter to experian about an incorrect inquiry on my report on XX/XX/20. It has been almost two months with no reply. FCRA states that they must respond within 30 days or the items must be removed from my report.
Consumer complaint received 2021-01-07
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

I apply for a loan in the amount of {$75.00} back on XXXX and I paid it off on time and now its still reporting as a 30 day late payment with XXXX and possible finance said they will remove it off my file and it been a month so far and I send them documents and money orders and paperwork from XXXX XXXX so I technically send {$75.00} twice and this loan is still reporting late as of XX/XX/2021 and I no longer want to borrow from them again
Consumer complaint received 2021-10-11
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. (FL)

Dear CFPB & Equifax. 

Please see this as a formal dispute yet again -- for erroneous activity on my credit report that is harmful to my credit profile. I have sent over 45 pieces of mail to Equifax this year. 

My most recent disputes were sent via certified mail XX/XX/2021 ( listed below ) in which Equifax has not responded. Equifax continues to lie to the CFPB and write me with delays only to state they have verified or contacted the company, but that is not correct. I have proof of their negligence to report accurately. Your company has closed complaints of mine with Equifax that still aren't resolved. 

Furthermore in the following stack of tracking numbers, I sent a complaint with a specific request for information from Equifax about the following GHOST collection ( picture attached ) which was removed 4 years ago, and suddenly resurfaced on my credit hurting my credit a few months back. This account was paid to the original provider before it was sold to collections. The resurfacing of this illegal collection activity not verified during the dunning period when I first challenged it and also previously removed by equifax is illegally reporting.Equifax has ignored my requests as to why, and therefore should be removed. 

Equifax has not furnished a reason or documentation that I have requested as for why the GHOST debt has suddenly reappeared. This has been disputed online 3 times, by mail 3 times, and over the phone 2 times. I WANT HELP with full legal resolution. 



USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2021-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

The account is at a {$0.00} balance and show that on the AES website, but all 3 credit bureaus are showing a balance, this was resolved in XX/XX/2020, thanks
Consumer complaint received 2021-01-07
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: Consumer Adjustment Company Incorporated (OH)

A company named Consumer Adjustment Company placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with Consumer Adjustment Co. or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said Consumer Adjustment Co. said it was accurate information. The reviews by XXXX and XXXX are pending.
Consumer complaint received 2024-02-27
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-02-27
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: Experian Information Solutions Inc. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-03-07
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. (CA)

I sent a letter on XX/XX/XXXX to remove these items : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX 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 XXXXXX/XX/XXXX The aforementioned items are unknown to me. you are required to remove/block any items or information not later than 4 business days after. Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2021-01-07
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: Nelnet, Inc. (GA)

I reviewed my person credit report to see where I stand with my credit score back in XX/XX/2020. I came to realized that someone used my identity to obtain several student loans. I assumed that these are college/university student loans. My college tuition was all paid for by my parents, therefore, I did not have the need to obtain student loans. 
I requested a proper validation and removal of these accounts from my credit report. XXXX and XXXX XXXX found these accounts to be fraudulent, so two companies removed these accounts immediately from my credit report. But XXXX is continuing to post these accounts without proving their validation and verification of these accounts. 
I am very upset that XXXX  is ignoring my identity theft report that was filed to FTC and a police department. 

DEPT OF EDUCATION/NELN XXXX ( {$3500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$4500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXXXXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) This is the list of student loan accounts that are being reported on my credit report.
Consumer complaint received 2021-01-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

We are requesting your assistance in obtaining our refund from Dovenmuehle Mortgage Inc. ( MI ) of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

Complaint : Dovenmuehle MI failed to comply with our request for refund of excess funds due back to us after closure of our mortgage loan with them. 

Background : In XX/XX/XXXX, we refinanced our VA guaranteed mortgage loan with Dovenmuehle MI ( loan # _____ ) to another mortgage company. 

On XXXX XX/XX/XXXX, we received a letter ( ID ____ ) from Dovenmuehle MI dated XXXX XX/XX/XXXX ( as attached ) stating that a refund check number ____ in the amount of $ XXXX dated XXXX XX/XX/XXXX is unclaimed. To claim this property per direction in the letter, we signed the bottom part of the letter, scanned, and immediately emailed to stated emailed address on XXXX XX/XX/XXXX. 

We emailed Dovenmuehle MI but without any response and called at least six ( 6 ) different times since we received their letter, but gave us run around to include someone to call us back, and lately, that they will cut a check which we should receive within 10 business days. Well that was over a month ago but did not receive any check or communication from Dovenmuehle MI. Dovenmuehle MI themselves have violated their own written promise in their letter, A new check will be issued and mailed within 10 business days of receipt of this properly signed document. 

Unpaid refunds after several years past the closure of any mortgage loan account is way overdue, unacceptable, and it should not be tolerated. We seriously question this practice of Dovenmuehle MI to remain in this Veterans Administration controlled mortgage program catered for veterans including myself. I hoped that fellow veterans and others will not experience the same heartbreaking issue with Dovenmuehle MI.
Consumer complaint received 2021-10-11
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$110.00}.