davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I was contacted by a person online named XXXX XXXX. We met on a dating app and began talking and texting. He told me that he was from XXXX, Texas and sent me a lot of information verifying who he was. A few weeks into our conversations, he said he had to make a business trip to XXXX. He said he was an chemical engineer and had to complete a month long project. XXXX planned to visit me on his return. While there, he ran into problems and asked for my help. He then said he was stuck there and needed me to send money. He promised the money would be returned to me within a few days because he would be paid once the contract was completed. XXXX convinced me that he was independent contractor, unsupported in XXXX, and had no options. Each time that I sent money, a new problem seemed to arise. This continued until I stopped sending money but he continued to plead with me, saying that he couldn't send the prior money back until more money was sent.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (SC)

I 'm submitting this complaint due to the lack of concern for the consumer by the credit reporting agency. I sent a copy of my verification to include State drivers license and social security card and requested that my personal info be updated and told the agency which names need to be removed. They continue to report XXXX as my name. My name has never been XXXX.
Consumer complaint received 2020-03-18
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. (GA)

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

Balance was paid in full in XXXX of 2015 via a check in the mail. When I called the company after payment, a customer service rep tried to get me to pay the same balance again. Company shows balance unpaid on credit report.
Consumer complaint received 2020-03-18
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: ID Analytics, Inc. (GA)

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. 
so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2020-03-18
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. (TX)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May  Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX US DEPARTMENT OF EDU US DEPT. OF EDUCATIO
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have disputed this account numerous times. I have filed ftc reports and this item is still reporting on my credit report. This company has never validated this debt. This debt is not mines. They have never provided me with written proof with my signature on the original contract to validate this debt. They are in violation of 15 USC 1692gSec.809 ( b ). This company is also in violation of FDCPA sec 807 misleading and false reporting. This company continues to report inaccurate and false information which is ruining my life. I am in the process of getting a home and this item on my credit report is affecting me. It is false information and I will seek litigation if it removed immediately.
Consumer complaint received 2021-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Summit Horizon Financial Services (GA)

On XX/XX/2021 I received a call from a woman who called herself XXXX XXXX. She had all of my personal information including my social security number. She said she worked for Summit Horizon and they were going to help me consolidate my student loans. I did not give her any information however she already had my date of birth, social security number and drivers license number. The number she asked me to contact to speak with her is ( XXXX ) XXXX extension XXXX but she called me from ( XXXX ) XXXX. I am concerned that she already had all of my information and that she was able to log into my federal online portal with her own password. I have changed my studentaid.gov password but would like to know if this is a scam and what I should do from here?
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit. I have sent numerous letters requesting for experian to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet they continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests.I ask kindly that please remove all addresses that dont belong to me.
Consumer complaint received 2022-12-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$290.00}
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : 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 XXXXr XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am 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 30 days gives a reason to immediately remove those items from my credit report. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have 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 2024-02-24
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. (GA)

While I was away at college my car was broken into on campus, all of my personal information i.e. bank statements, tax records and bank statements were stolen. I filed a report with the campus police and administration and I was advised to a police report and with the FTC. I also contacted the creditors and credit agencies, with no response as of yet. The following accounts are reporting to my credit report in error. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-06-17
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: JPMORGAN CHASE & CO. (MN)

I've sent multiple letters to XXXX in regards to 4 negative items that are listed on my credit report, and they have completely disregarded any of my letters by stating that the information was verified. I have sent my dispute letters, priority mail express, notarized, certified mail with return receipts, which I have attached along with copies of my request. They keep replying back that they verified these items, but still have yet to provide any evidence or documentation of their investigation. 

First dispute letter sent : XX/XX/XXXX Second dispute letter sent : XX/XX/XXXX Third dispute letter sent : XX/XX/XXXX ( under investigation ) XXXX I have even tried contacting 2 of the collection / credit card companies asking them to validate my debts. JPMCB & XXXX XXXX both sent me letters back stating they weren't able to complete my request because it didn't have enough information or matched their records. They both asked me to sign and send back their letter with information to verify my identity along with my ( highlighted ) credit reports and social security number. Which I had already did when I first sent my debt validation letters to these companies. Which were notarized by the bank proving my identity to begin with. The first debt validation letters were sent XX/XX/XXXX to XXXX XXXX & XX/XX/XXXX to JPMCB which I have attached their responses along with delivery signature confirmations for both companies signing. 

I've sent my original letters back on XX/XX/XXXX again with my social security, copy of disputed highlighted items to XXXX XXXX & JPMCB which is pending investigation due to their stalling. 

The company that is my account is XXXX XXXX which I've sent XXXX a copy of my XXXX results that clearly shows my account is current, paying as agreed, on time, no late payments or repossession. I've uploaded a copy of the results that I have received from XXXX, yet XXXX is saying they verified and updated the item. 

These items are negatively affecting my ability to obtain new credit and as well a home mortgage, I am not able to enjoy the benefits of great interest rates due this erroneous reporting. I hope that XXXX will delete these inaccurate items and send me updated reports for my credit.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (TX)

this company is reporting an erroneous mistake, this account does not belong to me, and they have failed according to FCRA to validate this debt they claim I owe with a contract bearing my signature. This collection agency is violating my rights and reporting inaccurate information per section 807-8,  please delete this account from my report immediately.
Consumer complaint received 2021-06-17
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: WELLS FARGO & COMPANY (MN)

I've sent multiple letters to XXXX in regards to 4 negative items that are listed on my credit report, and they have completely disregarded any of my letters by stating that the information was verified. I have sent my dispute letters, priority mail express, notarized, certified mail with return receipts, which I have attached along with copies of my request. They keep replying back that they verified these items, but still have yet to provide any evidence or documentation of their investigation. 

First dispute letter sent : XX/XX/XXXX Second dispute letter sent : XX/XX/XXXX Third dispute letter sent : XX/XX/XXXX ( under investigation ) XXXX I have even tried contacting 2 of the collection / credit card companies asking them to validate my debts. XXXX & Wells Fargo both sent me letters back stating they weren't able to complete my request because it didn't have enough information or matched their records. They both asked me to sign and send back their letter with information to verify my identity along with my ( highlighted ) credit reports and social security number. Which I had already did when I first sent my debt validation letters to these companies. Which were notarized by the bank proving my identity to begin with. The first debt validation letters were sent XX/XX/XXXX to Wells Fargo & XX/XX/XXXX to XXXX which I have attached their responses along with delivery signature confirmations for both companies signing. 

I've sent my original letters back on XX/XX/XXXX again with my social security, copy of disputed highlighted items to Wells Fargo & XXXX which is pending investigation due to their stalling. 

The company that is my account is XXXX XXXX which I've sent XXXX a copy of my XXXX results that clearly shows my account is current, paying as agreed, on time, no late payments or repossession. I've uploaded a copy of the results that I have received from XXXX, yet XXXX is saying they verified and updated the item. 

These items are negatively affecting my ability to obtain new credit and as well a home mortgage, I am not able to enjoy the benefits of great interest rates due this erroneous reporting. I hope that XXXX  will delete these inaccurate items and send me updated reports for my credit.
Consumer complaint received 2021-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

today I submitted disputes to EXPERIAN ONLINE FOR ACCOUNTS THAT HAVE BEEN REAGED, A VIOLATION OF FCRA. 
EXPERIAN WOULD NOT ACCEPT THE DISPUTES AS THEY HAVE BEEN INVESTIGATED BEFORE.THEY OFFERED TO ACCEPT UPLOADED INFORMATION TO SUPPORT THE DISPUTES ... THEN AFTER INPUTTING EVERYTHING AT GREAT TIME EXPENSE THEY SAID UPLOAD IS NOT AVAILABLE ... YOU CAN SEND BY MAIL. 
I HAVE DOCUMENTED EVERYTHING AND INCLUDED A COMPLETE REPORT
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (GA)

After being a direct deposit client for over 10 years, my card was blocked and I was ask to produce documents to prove that it was me. ( usually I am asked and give 4 digit code, mothers maiden name, birth date and the last transactions made to the cards ) None of this was asked instead I was ask to present documents. So on several occasions I submitted my drivers license with me holding them, my passport with me holding it, my current Tax form letter from social security showing my current address, ss number and the amount of payments. I was denied on at least 4 occasions when I did not submit my ss card which they knew I did not have because I had traveled to XXXX and have been there using the card throughout the pandemic with no real problem like this one. After I was not able to produce a ss card ( which even the ss administration says is almost outdated ), right after receiving funds from COVID RELIEF The company ( NETSPEND ACE ) closed my account leaving me stranded in XXXX without any means of funding myself. ( I do not earn funds nor can I work in XXXX until I am approved by immigration ) My Debit Card and the ATM is my only source as I am a XXXX year old ss recipient.