davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I've been trying to dispute my personal information with Experian. The only option is online dispute. However, after creating an online account I'm unable to start the dispute as I keep getting the following message : " We're experiencing technical difficulties and can not access your report at this time. '' Calling the toll-free # on the screen provides no option to start the dispute. 
This has been happening for a week and there seems to be no other alternative to start the dispute. 

Please help!
Consumer complaint received 2022-10-04
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. (TN)

THE FOLLOWING FRAUDULENT ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT THEY ARE INACCURATE AND ARE NOT OF METRO2 COMPLIANCE
Consumer complaint received 2023-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

As of XX/XX/2022 on recorded line customer service representative told me after submitting Affidavits I will get back all my unauthorized XXXX transactions but then they refused it I just want my hard earned money back
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have charges that I have disputed with CitiBank Best Buy Card for charges that occured in XXXX. I did not authorize any of these charges. I disputed the charges, then they transferred the balance of the fraud charges to my new card they issued me. I have never used this card once in my entire life. All the charges on this card are fraud.
Consumer complaint received 2022-10-04
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)

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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

Numerous times I have contacted Comenity to get assistance in restoring my online access as I have been locked out. All the agents do is send me a generic link to the main page and tell me to log into my accountas if I havent already done that twenty times before. Its been two months of me attempting to contact them to restore my access and all I get is the run around. Now I have no access to my statements and keep getting late fees.
Consumer complaint received 2022-10-03
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: CLGF Holdco 1, LLC (CA)

On XX/XX/2022 I attempted to make a purchase through XXXX for {$80.00} using a Milestone credit card issued in my name. After the driver for XXXX delivered to the wrong address, he insisted I was somehow trying to fraud XXXX and reported me as a scam. XXXX immediately canceled my account and sent an email stating they had not charged my credit card. Milestone  from Genesis XXXX, XXXX Oregon, however charged the {$80.00} to the account as a purchase on XX/XX/2022. I called customer service and asked for a refund to my account and the operator said that there was nothing to refund as the transaction had not occurred. I informed her that my online account statement showed the purchase and of course my limit showed the same. She assured me that everything was fine and not to worry, it would take up to 72 hours to show up on my account. I checked my account again on XX/XX/XXXX and it showed not only the charge had not been reversed but they decided to institute the annual service fee to assure that the account would be overdrawn. A second call on XX/XX/XXXX was met with a similar response and to not worry about the overage fees or even the original {$80.00}. Today is XX/XX/XXXX and I still am seeing the same account balance. I contacted XXXX and they claim to not have received the {$80.00}
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I am asking with humility to please remove the late payment on my credit report. Had it not been for XXXX, I would be in full satisfactory standing. I am asking for a goodwill request as I am suffering from this late payment. Please help by removing the late payment.
Consumer complaint received 2024-02-23
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I paid XXXX doctor 's bills for services rendered and after the payments were received the doctors office/health group changed their processing company and lost record of my payment. They then reported me to a collection agency as unpaid and my credit score has gone down significantly. The collection agency has given me XXXX amount that was owed ( {$170.00} ), while the doctors office and the medical billing have given me XXXX different amounts each ( {$140.00}, {$120.00}, {$40.00} and {$340.00} ....??? ). I 'm still not clear the original amount owed. I have called the collection company and the medical billing, as well as the medical office and my insurance to make it clear I had already paid. When I finally got a hold of someone who can actually help ( which takes hours! ) they admitted the mistake and said it was an easy fix. The first time I was told this was XX/XX/2015. Since then nothing has been done. I called again spending hours trying to track down the correct person to speak to and again was told they saw the notes on the account and it 's an easy fix, they said they would update the investigation and expedite it. That was 5 months ago and the delinquent marks are still on my credit report as unpaid. I 've spent a lot of time and energy being mindful of my credit, I do not appreciate these people admitting the mistake but doing nothing about it. I do n't know what else to do and I need your help. I 've attached the checks that were paid to both medical groups as well as the check to pay the doctor directly. This is on top of the {$100.00} I paid in the office upon check out for a total of {$290.00}. I do not think my credit score should suffer due to these mistakes which I have no control over. Where do I go from here? 
Thank you
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX credit report shows 6 hard credit inquiries for 2 dates ( 3 on XX/XX/2023, 3 on XX/XX/2023 ) due to hard pulls on credit file for auto shopping at 2 dealerships. 2 vehicles purchased jointly. 
The CFPB website states multiple credit inquiries for auto loans are to be treated as a single inquiry when done within 14-45 days. 
Contacted XXXX and advised of this. They stated ALL inquiries will remain on credit profile for 2 years.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted XXXX on XX/XX/XXXX to let them know that they are incorrectly reporting my student loans. They have reported them as included in my bankruptcy and they are NOT! I filed XXXX XXXX bankruptcy LAST YEAR XXXX! My accounts have been CURRENT before the bankruptcy. As a matter of fact, they are getting ready to be discharged due to me being XXXX XXXX XXXX  XXXX XXXX veteran. They blamed the credit bureau for the mistake but transunion is reporting the same info! They refuse to correct the situation and keep blaming the credit reporting agencies! I suffered a XXXX point loss to my XXXX report and a XXXX point drop to my transunion report. This is unacceptable. My next step is to sue in federal court for the damages this has caused to my report!
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (MD)

Current the banking app randomly said my account was under review for fraudulent activity although nothing was fraudulent, they asked me to confirm mg identity and I did and they just closed my account down without telling me why after I asked repeatedly. They also said they arent reimbursing me for the {$350.00} that was in the account
Consumer complaint received 2022-10-04
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (GA)

I am a victim of identity theft. My name is XXXX XXXX XXXX XXXX XXXX last four of social XXXX  I have found accounts/collections on my credit reports that are a result of the identity theft. I have filed a FTC identity theft report on XX/XX/XXXX and have provided it, the report number is XXXX. Per FCRA I want the following accounts/collections removed from all credit files by the debt collector XXXX XXXX XXXX XXXX 

{$600.00} on XX/XX/XXXX XXXX XXXX {$460.00} on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I have had to call Nelnet 5 times, about the same issues, regarding my repayment plan. Each time I call the wait time is close to 2 hours long, and I receive different answers from each representative I speak to. On top of this, each time a representative gives me information, nothing of what we spoke about actually happens on my account leading me to have to call back again, over and over. I was initially told that all groups of loans will be placed on an extended graduated repayment plan and the total of the payments will be {$290.00}. This has changed several times since I was told this on XXXX The payments have jumped to over {$570.00}, then reduced but still higher than the initial amount given to me on XX/XX/. Then I was given completely different information and amounts of what the payments will be. Literally, each time I speak to a representative, the amounts and information provided to me are completely different. I want resolve. I want a payment that I can afford so that I can make them timely each month. I want what I was told would happen to actually occur on my account. I was told, {$290.00} TOTAL - this includes all groups of my loans, on the extended graduated plan. The amount of time, anguish, irritation, effort, etc. that I have to put into getting accurate information for my loans is absolutely ridiculous and unacceptable. Nelnet is a student loan servicing company contracted by the Department of Education to service direct and Federal Family Education Loans. However, it seems they are severely understaffed as well as not fully equipped or trained as to how to properly service, process, and execute the information provided to customers about their loans. I want resolve. I want to not have to spend time each week, holding for almost 2 hours each time, just to be told different information than the last time I called. I want the total payment that I was told I would have of {$290.00} TOTAL which is inclusive of all my groups of loans.
Consumer complaint received 2024-02-23
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. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2021-11-19
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)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX  Account Number : XXXX* This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX** This is not mine.

3. Identity ThefXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX* This is not mine.

4. Identity Theft XXXX XXXX  Account Number : 5XXXX This is not mine.
Consumer complaint received 2021-11-18
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: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with TEXAS HIGHER EDUCATION COORDINATING BOARD and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC 1602, to obtain money to attend the XXXX XXXX XXXX XXXX XXXX. For the TEXAS HIGHER EDUCATION COORDINATING BOARD to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they communicated with the ATTORNEY GENERAL OF TEXAS which is a violation of 15 USC 1692c ( b ) and 15 USC 1692e ( 3 ). In this communication it stated that I was delinquent in the repayment of said debt and threatened me with suit, which is a violation of 15 USC 1692e ( 1 ) and 15 USC 1692e ( 5 ). Said communication is also in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) as they illegally threatened me with suit and used abusive language. In the very same communication, they stated that an amount is due which is a violation of 15 USC 1692j ( a ). Furthermore, TEXAS HIGHER EDUCATION COORDINATING BOARD communicated with XXXX and had information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing TEXAS HIGHER EDUCATION COORDINATING BOARD apply the seven single payments, totaling {$1400.00}, to myself by check.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 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
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay an unknown debt, as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with me for an exchange of services or goods. 

Fraudulently post to my credit report, in an attempt to extort money from me. They illegally furnished data. ( illegal, as they have no written, signed agreement from me directly along with proof of my identity that allows them to access or furnish information to the credit bureaus.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account : XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/XXXX, XXXX XXXX paperwork was faxed to Citizens Bank. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank and they were unavailable due to the XXXX holiday. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank to ensure XXXX  XXXX XXXX paperwork was received and completed. Citizens Bank stated that it had received all XXXX XXXX paperwork. 

On XX/XX/XXXX, the mortgage assumption purchasers called Citizens Bank to inquire about XXXX XXXX paperwork was received and processed. Citizens Bank stated that they had not received loan assumption paperwork. 

On XX/XX/XXXX, the mortgage owner 's realtor called Citizens Bank to inquire about the XXXX XXXX paperwork. Citizens Bank stated that they had not received loan assumption paperwork. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank to inquire about XXXX XXXX paperwork. Citizens Bank stated it had been received on XX/XX/XXXX via fax, and would. provide no other information including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX division. Citizens Bank would only provide fax number and XXXX  address.