davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter on XX/XX/XXXX to XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC (TN)

I have received a paper saying that I owed money from a site I never used or brought anything from there, and they have my name, my address, and social security number, the place called Jefferson Capital Systems LLC, I read the reviews, and they doing scamming people out of their money.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 COMMISION or https : //www.ftc.gov 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.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXXureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

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 XXXX business days after the date of receipt.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MA)

I DO NOT HAVETHIS CREDIT CARD AND I DON'T EVEN KNOW WHAT KIND OF CREDIT CARD IT IS. i HAVE NEVER HAD THIS CARD. I RECEIVED THIS LETTER XXXX XXXX. from Comenity Bank. This letter was sent to my relatives address ( XXXX XXXX XXXX, XXXX MA XXXX ) with my name. It states that my account # for my XXXX card has changed and my old account # will not work after XXXX. It states " Here is your new account # XXXX You can start paying your bill with this new account # right away '' Today, XX/XX/2022, I called the phone # XXXX. I told the woman on the phone that I do not have this credit card and NEVER had this credit card and to please remove me as I do not have an account. She asked for my Social Security # and my Date of Birth. I told her I was not comfortable giving out that information. I gave her My name and the account # they gave to me. She demanded my Social Security # and Date of Birth again. I told her they shouldn't need it because here is my name and account #. She became irate and told me she was ending the call. She continued to ask for my SS # and D.O.B. I told her I will report to the XXXX. she hung up. 
I have filed a complaint today with the XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$0.00}
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I had to file XXXX  XXXX bankruptcy in XXXX  since then Experian is reporting 13 accounts with late payments ( stating they are negative ). None of my accounts were paid late from the very opening they all show exceptional payment history.If false information was furnished from a company then they need to be investigated for fraud. 
According to the fair credit reporting act which is law there is no such thing as Potentially Negative ( with a red N under a month ) either the data was reported correctly or not. It can not be both exceptional payment history and potentially negative. I was not aware of the Federal Law allowing Experian Credit Services to rewrite the law.
Consumer complaint received 2022-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient lied to me about my XXXX XXXX plan status with XXXX and cohersed me over the phone into agreeing to a forbearance. They initially contacted me via email on XX/XX/XXXX stating my XXXX plan was set to increase on XX/XX/XXXX. By XX/XX/XXXX they sent me a bill stating I owed them {$210.00} with additional unpaid fees of {$41.00} due on XX/XX/XXXX. My payment amount for many years has been {$0.00} as I have not had income. I am currently unemployed and my payments should still remain {$0.00}. I checked with XXXX and their system informed me that my XXXX XXXX plan was not due to rectify until XX/XX/XXXX. When I spoke to a Navient representative over the phone they told me I had no choice but to agree to a forbearance and in order to make the account current. They stated I would need to resubmit my XXXX form with them directly ( not though StudentAid.gov ) in order for my account to reflect my XXXX. I was told I had to go to ( XXXX XXXX XXXXXXXX ) fill out the form and submit it through their own website upload link ( XXXX XXXX XXXX ) in order to even qualify for XXXX. Even though it states on their own website " Income-Driven Repayment Plan Request form Only upload if you didn't submit your request at XXXX ''. 

None of the information the representative was giving me was correct and they were denying any existence of my current XXXX XXXXXXXX status. It is my understanding that they are lying to consumers, charging late fees and misleading them to agree to a forbearance. The representative informed me I had to choice and my account would further become delinquent if I did not agree to their terms. Furthermore, the representative told me that even if I resubmitted my XXXX form it would take 21 days for them to apply any changes, which would further result in delinquency. Navient 's deceiving tactics in forcing customers into forbearance is unlawful and needs to be address ASAP. It seems there is a lot of literature online about this company doing this to many loan holders. Navient has done this to my many times over the past few decades, and unfortunately until know I was unaware of their unlawful practices.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC (IL)

Recieved a debt collection letter and i tried to resolve matter with the debt xollection company They wanted to verefy my social security and daye of birth and i tried to tell them the amount owed on account pertains some other entity and the xollection agency will want to hit my credit
Consumer complaint received 2022-03-24
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. (LA)

To Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. 
Remove the following account for reporting inaccurately : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE XXXX AND THE XXXX. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. XXXX. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Consumer complaint received 2021-10-27
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. (NY)

I am a victim of identity fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw equifax, & my info is on the black web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.
Consumer complaint received 2022-10-27
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. (MO)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-05-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been contacting all three credit agencies for disputes with information being reported on my credit report for over a year now starting in XXXX of XXXX. I have also disputed incorrect account information with the original companies. XXXX accounts in particular have not been resolved, XXXX XXXX, and XXXX XXXX XXXX. I have sent in every single document required including proof of identity and documents to dispute these accounts and to date the only response I have ever received from all XXXX agencies is the same generic response. I have only received emailed responses from Experian stating my disputes are now open, we are working on your disputes and they should be completed by this date, your disputes are now closed. Every response is the same and they always result in the same thing stating, " The account has been verified as accurate however, the account may have been updated ''. From my initial dispute starting in XXXX of XXXX I received NO response from anyone. A second dispute was sent 2 months later and again no response. Demand letters were sent around XXXX and again the only response was the same listed above. I sent the attached dispute letter and all required documentation again asking for a complete investigation, proof of investigation, documentation, etc..and once again I got the same generic responses and nothing else from any of the agencies. They are violating the FCRA and have failed to comply with requests and complete thorough and factual investigations. Per the laws they should have removed the negative items disputed immediately after failing to respond within the 30 day time limit, and failing to respond several months after. The last dispute demand letter was sent in XX/XX/XXXX and the tracking numbers are, XXXX, XXXX, XXXX. These accounts need to be deleted immediately due to FCRA and law violations. Furthermore, I have never received any letters or response from XXXX XXXX XXXX as well. I only knew about the account due to checking my credit report. They are damaging my credit for the same XXXX Account that I have been disputing.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-27
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. (CA)

This is not a duplicate nor is this complaint filed by a XXXX party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous XXXX, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX  XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. You have XXXX XXXX to correct the account listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE FILED A DISPUTE WITH CREDIT BUREAUS AND THEY ARE IGNORING MY REQUEST. I ALSO SUBMITTED A POLICE REPORT TO THE CREDIT BUREAS AS WELL FOR THE IDENTITY THEFT THAT WAS OCCURED.
Consumer complaint received 2021-10-27
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 (FL)

capital one bank usa reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CA)

On XX/XX/XXXX I received a notice from Aargon Agency regarding a debt that was referred to them by XXXX in XXXX, CA. I spoke to XXXX and requested to verify the debt. This verification was to also include a copy of the contract with XXXX. I did receive in the mail a print out of billing however I did not receive the requested copy of the contract. I called and requested a copy. I never received it. In addition there has been no activity on this account since XX/XX/XXXX ( per XXXX at Aargon ) and collection action has not commenced until XX/XX/XXXX. I am filing a complant because Aargon Agency has 1 ) violated Code of Civil Procedure 337. A which clearly states that in California debt collection has a statute of limitation of four years which this debt is over and 2 ) violated Fair Debt Collection Practices Act by not providing accurate and complete verification of the debt.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

I have been in a constant struggle with Navient and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from Navient indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (PA)

I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/15 in both accounts but have not received it yet.