davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
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. (IL)

this is not a duplicate request. 

on XX/XX/18 I received notice from Experian that I would need to produce additional information to prove that the chapter XXXX bankruptcy being reported was a result of identity theft, they also stated that all accounts that were previously being reported as apart of bankruptcy have been blocked due to my submission of all required documents including police and FTC reports showing I was a victim of ID theft, they then went on to say that it is not typical for bankruptcies and child support to be a result of ID theft. I have had the creditors included in this bankruptcy to perform investigation and they have concluded that the accounts were not mine or created by me but the bankruptcy that these creditors reported under are still reporting. Experian ask me to submit additional information. I have attached the investigation results from 2 of the creditors that were being reported under this bankruptcy on my XX/XX/XXXX credit report also i have included the letter from the courts which i presented my ID to get this information being reported, but was told there is none under my name and SSN #, and my police and FTC report, this is all I have that can prove that this is not my bankruptcy, please remove this case from my name as it continues to damage me. I have also included correspondence that I received from the " furnisher '' with them ( XXXX XXXX ) denying they have shared my information and that due to the ID theft it is still protected under suppression.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (NY)

I have disputed with all 3 bureaus, XXXX and XXXX has removed with the same documentation I am requesting Experian to use. Experian has received over 10 disputes from me concerning this. 3 bankruptcies that do Not belong to me are on my report, I have verified with the Bankruptcy court directly who advises they have investigated and the bankruptcies belong to someone with the same name and similar DOB. I have also obtained documentation from XXXX XXXX the 3rd party information provider for Experian who has provided me with a letter stating they have investigated and determined these aren't my bankruptcy and have deleted from there records. I will point out several accounts which did not belong to me and said in the notes resolved in a chapter XXXX bankruptcy were removed by experian, My question if those accounts, the address and name variations were removed and determined not to be mine, why not removed the bankruptcies. Also the name of the debitor is wrong and appears as 'Us Bankruptcy Court XXXX '' No such court or enity exists ( XXXX is a town in New York , But no court exists there this is false and misleading and not in compliance with the FCRA and should be deleted solely on that as it contains inaccurate information.
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I was told when I spoke to the company in XXXX when I was told I needed to reapply for my income repayment plan before it expired, but apparently I did not need to do it because of the presidents order, but they sent me a notice that said I needed to do it or I would have to pay the whole monthly payment instead of the income based payment in XXXX when it came due. I did it and it said my new payment was about {$500.00} and it would be due in XXXX, so I called because I should not have to pay until XXXX again because of the new order. I was told my last company took me off this kind of deferment, which I do not know how that is possible since it was a blanket decision. I was told when I called they put back on it and not to worry about paying until XXXX. Now I have an overdue notice that shows I owe {$1000.00}. XXXX is going on.
Consumer complaint received 2023-05-24
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. (IL)

I have contacted Transunion several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Transunion is aware of this. This is aggravated identity theft.
Consumer complaint received 2021-02-16
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: Experian Information Solutions Inc. (UT)

The three major credit bureaus : XXXX, XXXX, & Experian are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.
Consumer complaint received 2021-02-16
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. (UT)

The three major credit bureaus : XXXX, Equifax, & XXXX  are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Regional Processing Services (TX)

I received a call from ( XXXX ) XXXX on yesterday, and was left a message by XXXX XXXX. She didn't identify who she was working for. I tried calling the toll free number she provided ( XXXX ) XXXX, and it rang once before disconnecting. Today I received another call from ( XXXX ) XXXX, so I return the phone call and speak with a " XXXX XXXX '' from the Office of Regional Processing, stating that I have a judgement against me in the amount of {$1200.00} for breach of contract and defrauding a financial institution stemming from a payday loan that I allegedly took out in XX/XX/2016 in the amount of {$340.00} and change. Sge then said that i could easily settle the matter by paying with a Mastercard or Visa card. I objected to giving my debit card information over the phone, and asked if they could send me something in writing or if they had a secured website that I can review the alleged debt. She flat out said no, that in order for me to avoid having the judgement filed with my county that I would have to secure my debt by providing them with my card information. She then suggested that I purchase a prepaid card if I don't feel comfortable releasing my debit or credit card information. When I advised her that I'm aware of my rights, she became more aggressive. I took down her name and extension ( ext. XXXX ). She didn't want to give me a physical address, only a XXXX XXXX address ( Office of Regional Processing, XXXX XXXX XXXX, XXXX, CA XXXX ). I did a search online and found a record of complaints filed against this collection agency with the XXXX. And according to the XXXX there is no business registration listed in XXXX XXXX, California for this company.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove the following inquiries from my Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
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: CAINE & WEINER COMPANY, INC. (TX)

The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Bureaus, Inc. (NY)

I request that you CEASE and DESIST in your efforts to collect on the above referenced account. It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account. 

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable federal and state law. Remove this account from my credit report. 

There are several FDCPA violations that your company has committed. Each violations carries a {$1000.00} fine. I have found a total of XXXX FDCPA violations ( {$8000.00} ). 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Consumer complaint received 2019-10-09
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. (FL)

I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. 201 -CFPB-0022 Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and Trans Union are falsely reporting on my credit file.
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (PA)

I have repeatedly asked this company Receivables Management to provide the contract that I have signed with this company. I do not owe this debt that they have placed on my credit profile. The debt looks like it had an original balance of XXXX XXXX  to date the debt is well over XXXX dollars and increasing every week! Receivables Management is hitting my credit profile each week with negative information and increasing the debt XXXX XXXX  every week. This is illegal and is a direct violation of my rights as a consumer. This company is violating several FDCPA laws and refusing to uphold and operate ethically. Furthermore, I am not responsible for this debt. I am demanding that Receivables Management delete this account from my credit profile immediately as I do not owe this debt.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

In XXXX, I requested an auto insurance QUOTE from the XXXX XXXX of XXXX XXXX XXXX XXXX XXXX in XXXX, TX. 

Relatively after, I was notified of a credit collection account that was opened in my name for an XXXX policy, from the office of XXXX XXXX XXXX XXXX XXXX, that I never created nor approved. 

The office of XXXX XXXX XXXX XXXX XXXX informed me to submit an Auto Policy Declaration, proving that I had active auto insurance during the time that the policy was incorrectly opened for me. 

I submitted the declaration on XX/XX/XXXX and was informed that they had moved forward with submitting the documentation and were awaiting a response from corporate. 

This is a HUGE mistake of the XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - to open an insurance policy for me, that I never created nor approved - as the only contact I had with this office was to get a QUOTE. This mistake is impacting my credit, which has yet to be resolved nor have I received an update from the office of XXXX XXXX XXXX XXXX XXXX, as of yet. 

As of today, XX/XX/XXXX, I am still awaiting a follow-up response.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc. (CO)

I went to file taxes for my componey called XXXX XXXX XXXX XXXX  XXXX co she was filing my LLC taxes for me after many emails and phone calls from them asking for way over XXXX for papered my my taxes that i never picked up so serves was not rendered they sold my account to CREDIT SYSTEMS INC Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX for some thing i never picked up or revived i will like this com investigated asap for fraud i have never got any mail on this or phone calls as the law requires them to do I JUST CALLED THEM AND THEY DON'T EVAN HAVE MY CORRECT NAME ON FILE ALSO THEY HAVE MY BUSINESS ADDRESS WHERE NOTHING WAS EVER SENT MY MAIL THIS MUST BE REMOVED ASAP
Consumer complaint received 2023-07-06
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)

Have requested to get me the proof that this is my account? So far Answer from XXXX XXXX or from Experian is only for one item which was deleted but same time another account there is no report and still showing in my report. 

I am shopping for a Used car and now having a tough getting a car loan approved as Experian decreased my FICO Score by XXXX XXXX Unable to write to them or call them There Calling center is closed. only one issue has been resolved report XXXX XXXXXXXX for XXXX XXXX XXXX What happened to another discrepancy for the almost same amount from XXXX XXXX? My complain was for both items to be deleted or proof to e provided. 

So, this report stands on my Credit report, now every other Credit agency XXXX XXXX and XXXX also lower my Fico scores. Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? Respectfully, XXXX XXXX
Consumer complaint received 2023-08-21
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. (OH)

XXXX XXXX account number XXXX I have paid this account off with a pay to delete letter. Sent letters to the credit bureaus which still nothing has not been done nor updated. A file is attached to this complaint.
Consumer complaint received 2023-06-16
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: SYNCHRONY FINANCIAL (WA)

There was a car rental in XXXX where I was given a different car than what I purchased for the rental. This was after the contract was filled. I have tried for years to get XXXX to properly investigate and credit me for this. They always say they will respond, they are checking, they are reviewing, but they double-billed me for a charge that should have NO billing at all. They are breaking their own T+C, and the law, by aiding and abetting criminal fraud ( the rental counter took my card without my consent to ring up the charge ) in order to increase their profits and " mitigate risk. '' They have also deleted private messages I have shared with XXXX about this, which is illegal as they then say they never received my messages. But I have screenshots. Anyone else who has been through this issue can feel free to contact me to discuss.
Consumer complaint received 2023-06-16
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: SYNCHRONY FINANCIAL (TX)

Dispute start on : XXXX XXXX XXXX EDT but have not had a response on this issue. I have been told someone at Synchrony would get back to me within 7 to 10 business days multiple times. No response as of yet. I have followed up multiple times. 

Issue stems from not receiving billing statements over the past 9 months on paper or electronically. Online statements are not available and have raised this as a concern. I agreed to terms to have electronic statements but those statements are not available online.
Consumer complaint received 2021-10-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Did not attend classes at all for that institution for XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). Not sure why I am getting charged for classes I never took. I did attend XXXX  and got a XXXX  back in 2007 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) but this accounts I did not attend at all. I did sign up but never attend due an unexpected hardship at the time therefore never attended classes.
Consumer complaint received 2020-06-07
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. (VA)

On XXXX XXXX I mailed a letter from the bankruptcy courts of Virginia stating they do no verify information with the credit bureau.
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I am unable to log into my Venmo account via the browser on both mobile and desktop. Whenever I try to log in I get an OAuth2 error. I am also unable to link my Venmo account to budgeting services like XXXX XXXX, which is interfering with my ability to understand my full financial situation on a day to day basis. 

I tried contacting Venmo support via their online email from so they could help with this issue on XXXX. I got an automated response from them telling me that they would get back to me within 24hrs. However, its been several days and they still have not contacted me and Im still unable to access my account.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AK)

I tried to pay off my wife 's student loan about 3 months ago and they reversed my payment from my bank so I kept making my monthly payments as before from our other banking institution. No explanation was given. This occurred on XX/XX/2016.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a notification through one of my credit cards that an inquiry on my credit had been opened with Bank of America. Upon further investigation and speaking with experian and a BoA representative, there is currently a pending application under my information. BoA has cancelled the application.