davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN, XXXX and XXXX credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXXXXXX XXXXXXXX XXXXXXXX Balance Owed : {$75.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022
Consumer complaint received 2022-10-03
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. (MO)

This is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mendelson Law Firm (TN)

I went to XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I was making payments towards my bill but I couldnt afford the payment plan that the hospital had arranged. They then sent the debt to Mendelson Law Firm. I asked the law firm to send me a break down of my charges and a signed XXXX Form stating that I agreed to share my information with them. No signed form has been received. Also they gained access to my personal medial files without my authorization, permission, or knowledge.
Consumer complaint received 2019-12-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (FL)

On or about XX/XX/2019. My spouse who is not on the credit card was contacted about my past due American Express account of {$3400.00} balance. He is not on the card and had no idea why he was contacted about a card.
Consumer complaint received 2023-01-05
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. (CT)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 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. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IL)

I can't log into my Aidvantage account. The wheel keeps spinning and then goes to an error page. I've tried this on three different browsers, first on XXXX and XXXX. in XXXX it doesn't populate the login box.
Consumer complaint received 2022-04-21
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: WAKEFIELD & ASSOCIATES, INC. (TN)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Lender Inc (NC)

I have an account with a company called self lender. This is used to build credit history. The way it works it I pay them a monthly amount of {$25.00} and at the end of 24 months my Money is returned to me. During this period they report those payment to the credit bureaus. near the end of XXXX I was hospitalized due to sickness and thought my payments were on auto pay. It recently came to my attention that there is a 30 day late payment reporting to the bureaus. All of my past months are paid up and this was a one time occurrence. Being that I was hospitalized I was not aware they didnt auto deduct the payment from my account along with the fact that I wasnt able to contact anyone to resolve this issue. My account is in good standing but the presence of this late payment on my credit is bringing financial hard bearings due to the fact that it has tremendously impacted my score. This company is supposed to help peoples credit but now it is doing the opposite for and I dont feel as if its right! I pride Myself on my good payment history in managing my finances and this situation is really affecting me!
Consumer complaint received 2019-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Credit inquiries remain on our credit reports for a couple years, hurting our credit score and affecting our ability to obtain credit. 

Some shady door-to-door company, XXXX, came to my house in XX/XX/2019 selling alarm systems. They asked for my social security number when I asked them pre-sales questions. I refused to provide it, as I was just inquiring and did not want my credit pulled. They asked for my name and they had my address already. They plugged it into something and said excited they didn't need my social security number. I didn't think anything of it at the time. Now, I see on my Transunion credit report, they pulled my credit anyway. I hadn't even signed up for service when they pulled it. They pulled it without my permission. 

Also, someone fraudulently opened a XXXX account in my name in XX/XX/2019. Transunion removed it from my credit report. However, there is still a credit inquiry on my Transunion credit report. I shouldn't be dinged for something I had nothing to do with. 

I reported these 2 false credit inquiries to Transunion. They just sent me back a Captain Obvious letter stating what a credit inquiry is. 

Transunion needs to remove the XXXX and XXXX credit inquiries from my credit report.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-16
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, and Equifax to reinvestigate these inquiries : XXXX XXXX, inquiry date XX/XX/2022 and XXXX XXXX, inquiry date XX/XX/2022. However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NJ)

On XXXX, I sent a letter to American Education Servicers, better known as " AES '' to explain that my loan has passed the 25 years mark and that my loan should be cancelled and sent to the IRS as a cancelled debt. 
They have not shown me that they have proof of my original loan that would validate that it has been 25 years. They instead respond to my letter with a suspect copy of a document with " my signature '' and is dated XXXX. It does not have any information that is recognizably reflecting my school, current address or attendance date. 


I also just found out that all this time when I was asking for income-based repayment, all they did was keep giving forbearances instead of taking the calculating a payment for me based on my income all these years. 

In XXXX, AES also responded to my letter by just sending a " Your Payment Is Due '' statement. In XX/XX/XXXX, they denied me another forbearance and then sent another letter asking if I would want to request forbearance papers again. 

They are not honoring anything they have sent to me regarding the policies of student loan debt collection and know that my student loan should be closed out and cancelled immediately.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MT)

There are 4 XXXX  XXXX XXXX error 30 day late payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which need to be updated to on time. Due to XXXX XXXX Error payments were made on time.
Consumer complaint received 2024-03-16
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BCI FINANCIAL GROUP, INC. (FL)

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Between XX/XX/2023 and XX/XX/2023, your XXXX/CITY NATIONAL BA mortgage balance increased by {$1900.00} from {$320000.00} to {$320000.00}. 

account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

There is a negative remark om my credit from Credence Resource Manage in the amount of {$540.00}. I have repeatedly disputed the debt with the credit Bureau as well as here and because of the validity of the debt can not be verified nor do I owe Credence Resource Manage. I have requested that such erroneous information be removed from my credit. I do not owe Credence Resource Manage and I do not have a contract with the mentioned creditor and request that the negative remark be removed immediately.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

The address is invalid on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this address. 
The correct address should be XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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)

XX/XX/2022 I paid the collection account XXXX XXXX XXXX. The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On XXXX and XXXX a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on Transunion its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.
Consumer complaint received 2019-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: New Century Financial Services, Inc. (NJ)

Good Morning : I would first like to point out that this correspondence is also being deliveredto to XXXX XXXX XXXX and I also lodged a formal inquiry with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau all of which be can researched. 
I understand that debt collectors buy and sell 'alleged ' debts frequentlyHowever, in the state of New Jersey `` The statute of limitations runs out inXXXX XXXXafter six years for mostdebts. 
Even after that period, a creditor has the right totry to collectadebt '' I understand that you have a job to do Officer XXXX XXXX XXXX XXXX XXXX NJ OfficeOfXXXX ( but what I would like to say is this : My wages being garnished are not the issue, the issue is attempting to strong arm my employer that has nothing to do with this, The re-selling of old debts is very antiquated. 
Also viewing your documents with the plethora of stamps which seem to me as a " non- legalize individual '' are just notaries of which anyone can obtain. 
Since your firm was able to find me do a little further research and view the amount the times I've attempted to dispute this but to no avail. 
In closing ; I'm imploring that you release me from this garnishment immediately.
Consumer complaint received 2023-10-01
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA (GA)

My First National Bank XXXX card was lost or stolen on or about XX/XX/2023. I reported this the following day to the company & later identified XXXX transactions charged to my credit card account that I did not make. However, the company has removed only XXXX of these charges & has failed to provide me an explanation as to why the others have not been removed from my account. Moreover, the company 's fraud investigator in a letter to me dated XX/XX/XXXX concurred with me that all XXXX charges were fraudulent & stated to me over the phone that the company management had decided not to remove the other fraudulent charges from my account, The basis for this decision has not been shared with me. I do not understand why this company is trying to make me pay for these fraudulent charges.
Consumer complaint received 2019-12-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I paid off my mortgage in XX/XX/2010 through Chase. It was paid in full. I am a victim of identity theft and fraud and because it was so bad I have address confidentiality through the attorney general. All my mail goes to them in XXXX. The reason I'm contacting you is that someone has removed all my positive credit from my credit report including the pay-off of my mortgage through Chase. I have spent countless hours calling companies due to charges that I didn't make. It has affected me tremendously. I can't get a loan of any kind.
Consumer complaint received 2022-10-03
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date XXXX
Consumer complaint received 2023-01-05
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. (CT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX