davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (WV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went with my fiance to a car dealership and got a truck the next day he contacted the same person who wrote up my deal and got a truck for himself but in my name without my knowledge. He than got the truck repoed but it is now stuck on my credit report
Consumer complaint received 2021-11-05
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NE)

I entered to Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX to XXXX XXXX. I have been under an IDR plan and pay approximately XXXX $ a month. In XX/XX/2018 I was re-certified. when I switched to XXXX I got a letter saying nothing will change but that my student loans got transferred. Suddenly, this month I was charged {$2000.00} by XXXX. I was not notified of any change. When I went to the website, they stated they did not receive all of my IDR papers, even though I did this months ago. I was never notified about needing to submit additional papers. A small portion of my other loans were transferred for a different servicer and there was no problem with my IDR plan.
Consumer complaint received 2018-09-18
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: BOEING EMPLOYEES CREDIT UNION (WA)

I had recently gottten my credit run and pulled by XXXX XXXXk and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX  XXXX XXXX  & BECU BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or BECU I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into BECU and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX  XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX  XXXX XXXX and also BECU to please remove me off their XXXX and also notify XXXX that this is an error on their end.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

In XX/XX/2018, XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2019-04-25
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. (TX)

There are two collection agencies reporting two different medical claims to Equifax that have been paid. Equifax is the only credit bureau that has failed to properly investigate my disputes and delete the erroneous accounts. The other two bureaus completed a thorough investigation and removed the medical debt that is still being reported on Equifax. I have called and submitted disputes online. They are simply accepting the collection agency 's word over mine even though the collection agencies do not have any information to refer to to properly verify and validate the alleged debts. The original medical companies no longer have any of the files to verify anything. The collection agencies simply have an old bill. They collection agencies are XXXX XXXX XXXX and XXXX systems. Neither of these are medical providers thus they do not have any permission to follow up on any claims so they are attempting to collect from a single bill that they received from billing departments years ago. Those claims have been paid. Equifax has failed to thoroughly investigate my dispute. Both accounts are in violation of the NCAP settlement. The Equifax disputes department is not even aware of the NCAP settlement regarding medical debts. Instead Equifax is ignoring the 180 day policy and still allowing these collection agencies to report nonfactual information even though they began to collect less than 180 days from the original service date. The policy states collection shouldn't commence any less than 180 days from the first date of delinquency. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I received a denial letter from Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
- I never applied - I called to raise this concern. They checked and responded that they have no record. 
- My concern is How this happened and also the same could happen with other credit card companies. Is there any to monitor/stop it?
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX  {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}
Consumer complaint received 2022-09-11
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. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint - Consumer Financial Protection Bureau ( CFPB ) What is this complaint about? I sent 2 certified mailed Validation of Debt letters to Portfolio Recovery Associates. The company failed to respond to my certified letter in the 30 business day timeframe. The company continues to call me after receiving the Notice to Cease and Desist letter. 
The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired. I have also showed proof of Residence and given a copy of my Texas Driver 's license. 

What type of problem are you having? It's been over 35 days and it is still showing on my credit report. 

What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX  and XXXX, with no resolution. 

What company is this complaint about? The Company this complaint about is Portfolio Recovery Associates. 

Who are the people involved? The people that are involved Portfolio Recovery Associates, XXXX, XXXX  and XXXX.
Consumer complaint received 2023-03-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
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)

I have reached out to TransUnion XXXX and XXXX and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  these items need to be removed at once
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently was notified by a creditor to verify that I applied for a car XX/XX/year> and I notified them that I am a victim of identity theft a few years ago and was involved in the XXXX XXXX breach so they should cancel the application because I did not apply for any products or accounts. 
I noticed on my credit report that 2 fraudulent accounts were on my credit report and a few fraudulent inquires were reporting so I contacted XXXX XXXX XXXX and XXXX XXXX of the fraudulent accounts they said that it was verified that I own the debt I have requested from both companies to provide me the application with my signature but was told I cant get any information on the alleged debt that I owe because some of the information doesnt match. 
Attached I will show how XXXX reporting the XXXX XXXX Credit Card as a Authorized User and TransUnion has me as Primary Individual.
Consumer complaint received 2023-07-05
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-05
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. (NJ)

I have sent several written requests to Experian to remove erroneous accounts and information from my credit report. It has been almost a year since I sent the first letter, and to date, they have not removed the information or provided valid proof that the information or accounts are correctly reporting. I sent the letters certified on two occasions to make sure that they received them ( XX/XX/XXXX and XX/XX/XXXX ). Both times, I was able to verify that the letters were delivered to Experian. And, both times, I did not receive a response. I even waited past the 30 days that they are allotted to review and respond. I have given ample time for them to review my request and rectify the situation, but, they either do not respond, or they state that the information is correct as it is reported. In XX/XX/XXXX, Experian sent me a response stating that they will not review my request because they don't believe I am the person sending in the letters. I have provided all of the information to them that my credit report shows, and I provided my credentials to verify my identity and address. At this point, I am lost on how to get them to fix these errors they continue to report. I have attached all of the letters I sent to them for your reference.
Consumer complaint received 2020-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MO)

I am attempting to qualify for the Public Service Loan Forgiveness program. I believe I have made my 120 payments. My loans were consolidated with XXXX XXXX in XXXX of XXXX. According to my studentaid.gov account I can see that my loan status was in repayment as of XX/XX/XXXX. My servicer at that time was XXXX XXXX XXXX XXXX, until it was transferred in XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX are not currently counting towards my PSLF according to FedLoan. They are listed as being under manual review. I initially requested this manual review in XXXX of XXXX and it has not yet been resolved. 

I submitted my application for PSLF this month, because if the payments from XX/XX/XXXX through XX/XX/XXXX are included I have now met the 120 payments for forgiveness. FedLoan 's response was that I currently have 108 qualifying payments because those 12 are considered ineligible. However, they have not yet determined if they are eligible or not since they are still pending manual review. 

I have no documentation available from XXXX XXXX XXXX XXXX because it no longer exists and all of their email communication just directed me to my inbox on their website. I do have my bank account statements showing my payments from XX/XX/XXXX through XX/XX/XXXX and can possibly request older ones from my bank if they still have them. I do know that I was on the income-based repayment plan at that time. 

When speaking with FedLoan to resolve the issue I was told that the manual review from XX/XX/XXXX is still in process and they are still waiting for information from my previous servicer. They have no indication on how long this can take, but indicated that 18 months is not the longest they have seen it take. My servicer that has the information they need is 3 servicers ago, so I don't think that contacting my most recent servicer will get them the information even if they wait another 18 months. The information should be available to the federal government since it was the XXXX XXXX organization that was directly servicing my XXXX XXXX at the time of consolidation. 

My student loans should be able to be forgiven at this time as I have made my 120 payments on appropriate payment plans. I think it is unacceptable that FedLoans can take 18  months to review this information without them having any more efforts to resolve the concern.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster Bank allowed {$150000.00} in forged checks at a local branch without questioning the sudden change in banking habits of my elderly uncle. He was XXXX years old and never withdrew large amounts of money or wrote checks in large denominations. We have unsuccessfully been able to get Webster to reimburse the funds. The person responsible for the theft was arrested and prosecuted but the bank is not responding and Branch Managers are not helping us. The letter to the President of Webster bank remains unanswered as do our calls and questions. 
I have attached the letter to Webster Bank and copies of some of the forged checks that the Branch gave the police dept.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (PA)

XXXX XXXX XXXX XXXX is reporting to EWS that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (NJ)

A scammer pretending to represent Speedy cash call XXXX XXXX XXXX lied to my daughter stating that he would bring her credit score up and a XXXX will be deposit to her account after two deposit to her account to bring her credit score to XXXX. My daugther had a problem with her bank account with some other transaction and could not use it to have the money deposited. I let her borrow my account to deposit this amount. He deposited XXXX and instructed my daughter to ask me to transfer her to her XXXX account and she proceeded to send it to an unknown woman. He then lie to her stating her credit report was not high enough for the loan and wanted to repeat the transaction using my bank account. I completely refused and told him by calling the number above that I will report him to your organization. I recently received a claim letter stating that a temporary credit will be put in my account after my bank complete an investigation. This transaction was made through an ATM. I know this is a scam and they are trying to utilize my bank account to transfer money. Please contact this scammer above or track his address for investigation.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ). They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While XXXX XXXX was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And XXXX XXXX SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, XXXX XXXX should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in XX/XX/XXXX?