davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NY)

My ex boyfriend took out a student loan and used my personal information to cosign on an education loan for Sallie Mae. He used my social security number, salary and employment information to take out the loan. The suspect had access to personal information since we lived together for 8 years. The loan was taken out around XX/XX/XXXX and XXXX to enroll in XXXX college in XXXX. The loan amount totaled around XXXX. I was unaware of this loan until I checked my credit report. I have tried several times to get in contact with the company regarding the loan. They stated that the account is valid because there was an electronic signature from two different computers on the loan ( XX/XX/XXXX conversation with Navient/Sallie Mae ). I submitted evidence to the XXXX police station that proved the loan was submitted fraudulently along with an FTC affidavit to Sallie Mae. They requested that text messages be sent to them to prove that this was not my loan. I stated that the evidence was already submitted to the police and a report was filed. Sallie Mae/Navient investigator " XXXX '' stated that they sent correspondence asking for a photocopy of my ID to verify my identity but I explained that I never received such a request. He also stated that since I didn't respond with a photocopy ID within 30 days, the investigation was closed. I have disputed this account with the three credit bureaus along with documentation that supports my claim that this is not my account. Sallie Mae refuses to remove this fraudulent account from my credit report despite receiving appropriate evidence that supports my claim.
Consumer complaint received 2019-09-11
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)

Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-09
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. (PA)

n 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-21
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. (GA)

I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2019-09-14
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: Midwest Recovery Systems (FL)

XX/XX/2019 Midwest Recovery Systems charged me a balance of {$1400.00}. 

I do not know who these people are and what type of company this is. I tried calling there customer service hotline many times but was only able to reach an emergency department. 
I believe this to be a very fraudulent use of my identity and credit report. And I need this issue to be resolved in a quick and timely manner.
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (GA)

I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-21
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXXXXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : : XX/XX/2017
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd. (CA)

I dispute a fraudulent Parking ticket due 2 factors with the Parking agency to the fact where my vehicle was parking the address showing in the Ticket I received in the mail it doesn't exist also the ticket issue showed a License Plate I reported stolen to the Police department even I disputed the validation of the ticket with the City of XXXXXXXX XXXX, They never corrected the mistake done, even between their own employees conceals evidence Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed. I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent Action. I'm enclosing a signed letter to them along well their letter I received yesterday and the copy of the Fraudulent Ticket Dispute Letter done back in XX/XX/2017.
Consumer complaint received 2023-03-10
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. (PA)

TO Whom it may concern : I recently received a copy of my ( Experian, XXXX and XXXX ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

Called today checking on my free credit report : - Equifax mailed it to the wrong address! 
Why will they not update my file with my current address? Equifax today stated they can't do this, '' update my address '' - but I have letters from them stating they will mail me at my correct and current address. - they even mailed me two letters about this stating it was acceptable. Today I was told to go to XXXX - It doesn't work for my IP number and the CS rep. knows this. 

I spoke with Equifax on XX/XX/XXXX and said it would be mailed out to me at my XXXX address. What a liar! Today I was told it was mailed to my last old Colorado address which is 14 years old and not valid. Please recall this mail back to Equifax and send it to my current address. Conf. # XXXX. 
I have sent Equifax - My CO  and XXXX Dr . lic., my XXXX electric bill, IRS letter with ss # and XXXX address, a 1099 with my XXXX address, my SS card and a copy of Equifax 's letter to me with my XXXX address. Every month, my creditor mails a statement to Equifax with my XXXX address on it. it is obvious they disregard it. 

Today I spoke with CS, I was told that my current address was only entered as a personal statement in my report. It could not be enter as my address and they refuse to mail my credit report to me, even though their letters were mailed to me at my XXXX address and were required to be scanned and faxed back to Equifax with my ID data.
Consumer complaint received 2023-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Doing my loan modification with my mortgage company XXXX XXXX, I was told by countless representatives from XXXX XXXX that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from XXXX XXXX XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by XXXX mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. 

Thanks
Consumer complaint received 2018-12-21
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. (FL)

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX Since Equifax and XXXX couldn't help me, CFPB step up and fix the accounts asap
Consumer complaint received 2018-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX, XXXX XXXX XXXX. Since Transunion couldn't help me, CFPB step up and fix the accounts asap
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

*PLEASE NOTE I OPENED 3 COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! XXXX On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

Using incorrect information, this is not a charge off, using over 4,000 robots calls, using fraudulent information, violating my rights by not informing me of court dates without a summons, this account been close.
Consumer complaint received 2019-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

I was renting apartment in XXXX, MI and the utilities was submitted through the landlord. I notified the landlord that I was moving and set a date to move out. I move out on the agreed date. The landlord must of kept the utility bill running for months after I left. I never received any notice from Consumers energy or the landlord of any bill. I later received a phone call from a collection agency stating I owed on a utility bill from consumers energy. I was confused but I agreed to pay the bill but the company needed to remove it from my credit history etc- since I had not clue that occurred.
Consumer complaint received 2019-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (AL)

I am approximately 2 payments behind with Regional Finance. I paid them in XXXX. I asked if there were other payment options that I could afford, but I was told no. The company repeatedly calls my phone or job multiple times per day. If they can't get an answer from the store that issued the loan, they will call from other Regional Finance store somewhere else. I have received numerous calls on today already. I'm asking for them to work with me to establish a reduced payment. This is ridiculous!!
Consumer complaint received 2019-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc. (NC)

I obtained the loan back on XX/XX/2019 with Consumer Portfolio Services and since have been in contact in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other varies dates indicating that this contract was obtained fraudulently. The car was damaged and possibly rebuilt title and this information was not disclosed to myself. When dealing with the finance company - Consumer Portfolio Services, I have given all the information that clearly shows this was dealer fraud and they will not cooperate.
Consumer complaint received 2023-03-10
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. (NV)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX XXXXXXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXX Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 
I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
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. (FL)

On XX/XX/2023, I mailed certified letters to XXXX requesting proof of debt that they are reporting about me. The letters requested that they provide proof of debt via documentation bearing my signature proving my debt. As of XX/XX/2023 more than XXXX days later XXXX still has not provided proof of debt with documentation bearing my signature. I am well with my rights in requesting this information according to the FCRA. ( Fair Credit Reporting Act )
Consumer complaint received 2019-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

Credence Resource Manage put a bill from XXXX on my collections account against my name. I never had a XXXX phone. My renter XXXX XXXX had a XXXX   phone and the bills keep coming to the address she use to rent off of me. She owns a church XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX, PA XXXX XXXX Some how this collection agency is now putting her XXXX cell phone bill on my credit report.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections (MD)

On XX/XX/19 I sent a request for validation letter to Bonneville Collections. In my request for validation I specified that it should be in accordance with the FCRA, to include but not limited to copies of any papers that show that I agreed to pay what they say I owe. On XX/XX/19 I received a response from Bonneville Collections which only included an itemized statement of services and charges of { {$3900.00} + {$2900.00} to equal {$6900.00} to which they have continuously added interest, now reaching {$2700.00} to bring it all to a grand total of {$9700.00}, and counting } which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. As a result of medical procedures being listed on this statement, not only was this NOT proper and correct validation but also a clear violation of my HIPPA rights. These actions are also violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and a defamation of character. This debt collection agency has been falsely reporting indebtedness on my credit reports for nearly 7 years and has highly negatively impacted my credit reports, scores, and not to mention my quality of life as well.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is my 15th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items listed need to be disputed : XXXX XXXX XXXX  XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX