davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
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. (TX)

his page lists some civil complaints filed against XXXX XXXX XXXX, in the United States. ... Here is a page listing 116 lawsuits filed against XXXX XXXX ( XXXX ). ... ( 3 ) enrolled consumers in onlinebanking services that they did not request ; and Date : ST ; FileXXXX XXXX reaches $ XXXX settlement in accounts-scandal lawsuits XXXX sues XXXX for {$800.00} XXXX as card split sours the dump credit card XX/XX/2017 - Since the settlement more XXXX XXXX lawsuits have been filed and ... FREE XXXX XXXX TCPA VIOLATIONS LAWSUIT EVALUATION ... were received and cashed by this fraudulent XXXX XXXX and placed ... 

care credi act resolution svc 342 Account XXXX XXXX or XXXX is a third-party collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and failing to verify debts.
Consumer complaint received 2020-02-17
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. (FL)

I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX XXXX XXXX   XXXX XXXX XXXX. I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

Nelnet keeps sending me increasingly aggressive and threatening emails. The last of them, on Thursday, XX/XX/XXXX, states : " [ ... ] continued delinquent reporting, to the national credit reporting agencies. Legal action, including property liens and wage garnishment. Default and the obligation to repay your student loans ( sic ) in full to a collection agency. '' Nelnet has altered, doctored, manipulated my loan repayment plan. They suggest that I am behind in payments after having first placed my loan in forbearance of which I did not request. Thus, instead of the income contingent repayment plan, which I would not be required to make payments, forbearance set me behind in number of years remaining before my loans can be forgiven. Additionally, Nelnet has an extraordinary amount of documentation that I have been sending to them for many years. Nelnet has my official social security yearly forms without interruption at least from XX/XX/XXXX and many others documents, such as the ones proven I 'm receiving EBT ( " food stamps '' ). Nelnet knows as well that my monthly Social Security check is for {$260.00} and they know that my yearly income they have the forms showing it, for I sent them to Nelnet with religious punctuality is less than {$4000.00}. Which means, unequivocally, that I 'm living much lower than the Federal " poverty line ''. Nelnet knows as well that I live in a XXXX XXXX XXXX XXXX for senior citizens with very low income. Nelnet knows also that I 'm XXXX years old, and, therefore they are harassing and abusing an elderly person. Is Nelnet going too garnish the {$260.00} dollar a month of my Social Security ; is Nelnet going to put a " lien '' on my food stamps or perhaps on monthly S.S check?
Consumer complaint received 2017-06-06
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. (WI)

Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the  Midwest  and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME
Consumer complaint received 2020-02-17
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. (AR)

I was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (IN)

RE-INSERT ALL ACCOUNTS BACK ONTO MY XXXX OR DISCHARGE ALL DEBT VIA XXXX AND CEASE ALL CREDIT REPORTING OR BE SUED. FURNISH LETTER FROM XXXX, WHY?
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify, through the physical verification of the original signed contract. I am requesting for proof to be sent to me immediately upon receiving this letter. FCRA states to the credit bureau that if you can not send the proof such as wet ink contract that I signed with child support then you have to remove it off from my credit report immediately.
Consumer complaint received 2020-02-17
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. (AR)

My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my report.
Consumer complaint received 2024-03-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (RI)

This is the second gift card I have and I would like a refund check. These cards dont work anywhere. I will never get another card like this. Called and got no resolution from someone who couldnt understand what I was saying
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Consumer complaint received 2017-06-06
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: Jason A Craig, PC (GA)

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} Jason Craig & Assoc -Acct # XXXX - Reported bal {$390.00}
Consumer complaint received 2022-12-15
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 filed a dispute with TransUnion and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : XXXX XXXX Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and TransUnion and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
Consumer complaint received 2020-02-17
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. (AR)

My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my report.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

on XXXX/24 I received a notice left at my front door that had not been sealed or concealed my identification exposed at my apartment building. The letter stated that I am being taken to small claims court for XXXX by capital one. I am an single struggling American citizen. All my expensive has gone up and my job has cut hours so I am struggling to make ends meet. I kindly request that this lawsuit be taken out of court so that this can be settled. Due to the fact that the account was charged off I will like to request to have a smaller settlement amount with time to pay it back. Dragging me into court will default in a hardship at my company because we are assigned a point system and I can not afford to met any unscheduled days or call off. Covid had a hard impact on my job and caused us to have cut backs and reduced hours I'm making less money than I have before and struggle to gain hours. I can barley afford to pay food and shelter and my rent is being raised by XXXX dollars which I am unsure how I would met that.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (MS)

I did a did a credit report with experian and noticed it said i had a balance of {$9200.00} I have never had a credit card so this is wrong. 
It says i am an authorized user of a XXXX creditcard that was opened in 2015. 
I was XXXX XXXX XXXX in 2015. 

I filed a dispute but they couldnt do anything apparently. 
I got a letter from XXXX saying i needed the creditcard owner to remove me. I dont know how thats possible considering i have no idea who that person is.
Consumer complaint received 2022-10-11
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. (MT)

I am working on my own behalf, a federally protected natural person XXXX XXXX who did not give permission to Equifax to report this alleged debt and fraudulent information with XXXX XXXX XXXX. My complaint with Equifax # XXXX is impacting my credit score and I am demanding that you remove it from my consumer report-you were suppose to do an investigative report-and I know you didn't speak to my neighbors or anyone I know personally. Send me a detailed audit trail of the investigative process or delete the alleged account from my consumer report immediately!
Consumer complaint received 2021-11-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MO)

I applied to enroll at XXXXXXXX XXXX  XX/XX/16 and completed document submission on XX/XX/16. On XX/XX/16 they received theofficial transcript from my previous university. On XX/XX/16 I submitted the XXXX XXXX  Mastery Promissory Note ( MPN ) XXXX XX/XX/16 I received an email that said my payment was past due. I spoke with someone in the Financial Aid office and was told to disreard the email as i had just completed the MPN. Classes began on XXXXbut i was unable to attend or even begin the classes. Because of this I sent an email to my academic advisor about dropping and unenrollin. On XX/XX/16 I received an email from my academic advisor that said I could drop and unenroll because I had not participated by simply replying to the email. I replied to email on XX/XX/16 and was unenrolled and withdrawn from the course.On XX/XX/16 I received an email to complete the Student Loan Exit Counseling Request and completed it on that same day. Per the Department of Education the loan was closed with a XXXX balance. I never received any correspondence that there was outstanding debt until XX/XX/16 and the account was then sold to Ability Recovery Service ( ARS ) in the amount of {$6700.00}. ARS placed this debt on my credit report in the amount of {$8100.00}. I have requested a validation of this debt directly from ARS by certified letter including the MPN with my signature and they only send an itemized sattement of the classes totaling {$6700.00}. I have since learned that ARS is not registered in my state to collect debt. I have also disputed the item with the credit agencies and ARS keeps validating the debt with them. I am filing this formal complaint as this is not a valid debt and should not be reporting on my credit profile.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from XXXX?
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting a late to my XXXX XXXX account that I should not have. I tried multiple times to get this paid over the phone and online but their website was not working and would not accept payment. They kept giving me the run around and by the time I was actually able to pay a late had already occurred. I would like this late removed as it was not my fault.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Army and Air Force Exchange Service (CO)

I have this account since I joined the Military back in XXXX. I never had this account on my credit report but recently I missed a few payments and now they are reporting derogatory on my credit report. I called them on XX/XX/XXXX to ask why my account is closed and why it is reporting negatively. I was told in an email that my account was active and is able to be used for charges. 

Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

A request has been submitted to remove the ACH payment restriction on your account. Your account is active and can be used to make charges. 

Payments may be made by cash, debit card, check or money order at any local exchange. Customers may also schedule a bank draft, or mail their check or money order directly to : EXCHANGE SERVICE XXXX XXXX XXXX XXXX, OH XXXX Please make sure that you include your account number on the check. 

If you have any further questions or concerns, please feel free to contact our 24/7 Customer Contact Center at XXXX, or via email at XXXX. 


Respectfully, XXXX XXXX. 
The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX Visit our online store! www.shopmyexchange.com I was told by the representative that my account was closed because I used a bill consolidation agency incharge. I have always been in good standing with this account. They even took money out of my paycheck without my consent or awareness back in XX/XX/XXXX. I am caught with all past due payments.
Consumer complaint received 2020-02-17
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. (GA)

XXXX Loans # XXXX is reporting a late in XX/XX/XXXX that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.
Consumer complaint received 2020-02-17
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. (GA)

XXXX XXXX # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.
Consumer complaint received 2020-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

In XX/XX/2003, Pennsylvania Higher Education Assistance Agency ( PHEAA ) received a ( product of identity theft ) Federal Family Education Loan Program ( FFELP ) application and Master Promissory note. The Master Promissory Note states that the lender is XXXX XXXX and the guarantor is American Education Services ( PHEAA ). The educational program is XXXX XXXX College. 
This appears to be a successful scheme to defraud the borrowers. The application was NOT sent to XXXX XXXX but directly to PHEAA 's XXXX PA address. According to PHEAA, the loans were provided by American Education Services ( PHEAA ) as a private loan and were later directly consolidated by PHEAA 's private trust. Since the private student loan is NOT a Federal Student Loan and did not involve XXXX XXXX as the lender, the borrowers were not aware that the protection of a Federal Student Loan program were denied them in this process. 
PHEAA then implements fees, costs and penalties outside the Federal Student loan protections and without consent or knowledge of the borrower. 
I have requested a copy of the agreement between XXXX XXXX ( and any subsequent SEC filings for the agreement ) through the Pennsylvania XXXX office and PHEAA has denied the request. 
PHEAA then utilizes the fraudulent Federal PLUS loan Master Promissory Note to obtain Department of Education tax offsets and wage garnishments from the borrower for private loans in violation of Department of Education rules. I was told by a Department of Education Loan Analyst that this is a " handshake '' deal with PHEAA. 
The scheme is initiated by the alleged agreement between XXXX XXXX and PHEAA to defraud borrowers.