davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX XXXX  XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX & XXXX ) XXXX  XXXX XXXX- {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} XXXX  XXXX- {$44.00} XXXX XXXX  XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXXXXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX  XX/XX/21
Consumer complaint received 2023-03-30
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. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2019-01-21
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. (CA)

On XX/XX/XXXX I placed a fraud alert on my credit reports as I became aware there are multiple fraudulent accounts on my credit reports. 
On XX/XX/XXXX I paid {$11.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
On XX/XX/XXXX I resent another certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 60 days since I sent the original certified letters to Trans Union and the accounts have not been removed. 
I am submitting a formal complaint with the Consumer Finance Protection Bureau to get assistance on this imperative matter.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (MA)

On XX/XX/XXXX, I submitted a request to Military Star Card, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). On XX/XX/XXXX, Military Star Card, denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of active military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX military service, it is still considered debts incurred prior to the current period of military service ( XXXX ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX XXXX XXXX ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (OH)

To Whom It May Concern, The reason for my dispute is NATIONWIDE RECOVERY SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONWIDE RECOVERY SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONWIDE RECOVERY SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONWIDE RECOVERY SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NATIONWIDE RECOVERY SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NATIONWIDE RECOVERY SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NH)

My name is XXXX XXXX. In 2017 my loan funding ran out and due to tgat I had to end my student status which began repayment billing. This is where I realized I was being billed XXXX a month. I called explained this is impossible and was told due to my financial status I could do student forgiveness or be lowered drastically. I sent copies of paychecks and tax returns yet nothing occurs. I've written a mails and complaints and just watch my credit score drop to nothing. I need help possibly attorney?
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (GA)

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. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

There are derogatory remarks on my three credit reports as reported by XXXX from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with XXXX so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OK)

I played off the account early and they expected me to keep making payments. I brought this to their attention once and they said it would be fixed but was not the next time I was turned in to the CREDIT bureau for not making payments on a loan that was paid off
Consumer complaint received 2018-02-26
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (MI)

Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.
Consumer complaint received 2019-09-16
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: Experian Information Solutions Inc. (CA)

I started disputing my credit report with Experian regarding false information from XXXX XXXX XXXX on XX/XX/XXXX. I have since disputed this same information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Dispute always comes back with same information that is wrong. In XXXX I filed Bankruptcy but XXXX XXXX XXXX was not included in it. I had a XXXX XXXX XXXX that I purchased from them in XXXX. I paid off all my loan with them each month and received the title to the car. They continue to list that I bankrupted with them even after sending copies of my filing papers which clearly stated they were notified only. They continued to collect my payments each month until the car was paid off and became mine. This has been very frustrating and time consuming, needless to say it is false information listed on my credit report. Experian has done nothing either even though I sent them all the documentation via their Complaint Center in their website.
Consumer complaint received 2019-01-21
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)

On XX/XX/XXXX I paid {$8.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 

On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. 

According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account. 

On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. I am now submitting a complaint to the Consumer Finance Protection Bureau to obtain their assistance on this urgent matter.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

Dear Sir, I have received a letter from XX/XX/XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX   and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.
Consumer complaint received 2024-02-08
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (NV)

I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to XXXX XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX service a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX XXXX  XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX XXXX XXXX ) XXXX  XXXX XXXX- {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX/ {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} XXXX  XXXX- {$44.00} XXXX XXXX  XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX XX/XX/21
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX spring XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX & XXXX ) XXXX  XXXX XXXX {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} Money XXXX- {$44.00} XXXX XXXX XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX  XX/XX/21
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Dear Sir/Madam, Inreference to complaint ID XXXX The XXXX XXXX XXXX wakefield & associates or XXXX XXXX XXXX wakefield & associates as they call themselves claim they were not paid by my insurance for services they rendered to me in 2016.They falsified the amount of money they claim i owe them and reported false dates services were rendered.The current owner of XXXX XXXX is a XXXX XXXX and all those who work for him at every XXXX XXXX are his XXXX   XXXX.It might sound crazy and unbelievable but if you try to find out if it is the truth you will find no lie about it.They tried me to be a XXXX XXXX but it has never worked and it will never work.They are not quitting on me and i will never give in to be a XXXX XXXX.placing false debt collection accounts on my credit history is another alternative means to put me into a mess and try to me make me a XXXX XXXX. 
I tried to upload my proof of payment from my insurance company on XXXX so that XXXX can dispute the debt collection accounts placed on my credit history but it could not work.I currently don't have money to mail my proof of payment document to XXXX.Mailing and uploading is the only way acceptable to submit any dispute supporting document.Here is a detailed summary of my claims history summary report ( proof of payment ) from my insurance : Dos refers to dates when services were rendered Status refers to dates when they were paid Billed amount refers to how much they charged Adjusted amount refers to reduction money with medicaid Allowed amount refers to how much they were paid after a reduction with Medicaid Paid amount refers to how much they were paid.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

On XX/XX/XXXX, I, XXXX XXXX, called to check the balance of my benefits card ending in XXXX for my child support. The balance was only {$1.00} when it should have been over {$2000.00}. The expiration month of the card was XX/XX/XXXX so I almost thought the company sent me out a new card and transferred my money until I was able to get a customer representative over the phone. She told me that I had a lot of XXXX and XXXX XXXX accounts created with my card and that there was a new card issued to me ( I didn't receive it ). I asked her if I needed to file a police report. She told me no and that she would send my complaint over to the fraud department to have my money refunded. XXXX XX/XX/XXXX, I received a letter from the fraud department stating that they didn't see any fraudulent activity. I contacted the fraud department, and the young man told me to go ahead a file a police report, contact the merchants that I didn't authorize, and to write a handwritten statement so the fraud department can reopen my case. I did everything I was asked to do, and my case was again denied. I contacted the fraud department again and now they are saying that they will not reopen my case because it is my fault that I did not notice the money missing sooner and that I would have to provide new evidence to get my case reopened. The card holder service is called Way2Go Program. The state I live in is Alabama and that is the card service company they use for child support payments. I have been arguing and begging this company to replace the money, but they refused. I have all paperwork. XXXX XXXX replaced my money, but the other merchants need assistance from the investigators before they replace my money, but the investigators will not cooperate. The fraud department is rude, and they have no sympathy for their customers. They have been giving me the run around ever since I filed my complaint in XXXX. My case number is XXXX.
Consumer complaint received 2020-09-15
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

On XX/XX/2018, After reaching out to Best Buy Credit Services dispute department. Best Buy Credit Services notified me that I am getting a credit to my account in the amount of {$2300.00} within 2 billing cycles for a cancellation of a Auto extended warranty from a  company called XXXX XXXX XXXX XXXX which I purchased earlier using Best Buy Visa. 
Instead of receiving my credit amount of {$2300.00} which was promised. Best Buy card continues to bill me with interest despite my continuous effort of reaching out to them. Now Best Buy card is using a collection agency " XXXX XXXX XXXX, XXXX '' to collect {$2900.00} from me.