davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
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 have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

Hi, This company National Credit Adjusters continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$290.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked National Credit Adjusters to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with National Credit Adjusters in the amount of {$290.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (MO)

I have filed a complaint with XXXX and called and made a compliant - filed disputes with both. In 2016 I was heavily in an XXXX. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the outstanding XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX and Ive been XXXX and in XXXX since. 

I have called and explained the situation to both XXXX and CMRE, which I was told by both there would be an internal investigation. I did ask CMRE for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX and XXXX CMRE was removed. So it seems its more of an XXXX issue resolving my disputes. 

I have not had a doctors appointment in years, even to date- almost 3years XXXX XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.
Consumer complaint received 2023-04-08
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 have a XXXX XXXX XXXX XXXX XXXX account which I voluntarily Closed on XX/XX/XXXX ( over a year ago ) and my account keeps changing multiple times a month on every CRA reporting my account as Closed then open, then closed with different dates, then open then closed with remark codes added then removed then added then removed. Most recently, instead of reporting my account as Closed on XX/XX/XXXX as it had done from XXXX thru XX/XX/XXXX, my Equifax report showed my account was inaccurately closed on XX/XX/XXXX. I have complained numerous times that my account data was disputed but XXXX and every CRA willfully violated the FCRA by not putting the required Notice of Dispute with the known XX/XX/XXXX date closed based on historical records which should have prevented the facially false data and closure and dispute data from changing or being removed. I am filing this CFPB complaint as today XX/XX/XXXX, I was notified that the Remark code removed from XXXX XXXX XXXX account Between XXXX XXXX, XXXX and XXXX XXXX, XXXX were removed..Account closed at consumers request and finally after months the dispute status was added. The removal of the status account closed at consumers request constitutes a repeated willful FCRA violation and facially false data. What is wrong with you people!!!!
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (TX)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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: Southwest Credit Systems, L.P. (IL)

There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (NH)

Southwest Recovery Services is reporting I owe them {$1100.00}, trying to collect. I never had an account with this company. I hired XXXX XXXX to help with this situation. A letter was sent to Southwest Recovery and the letter was returned to sender. I have tried to call and no response. This is very frustrating because my identity has been stolen several times in the last 3 years.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation (MI)

I received a letter which was a notice of unpaid electronic fund transfer. The letter did not state who this debt was owed to. They indicated the amount due was {$270.00} with a late check fee of XXXX bringing the total to XXXX This company has paid {$3.00} XXXX dollars in the past for fraudulent activities.
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (OK)

no idea what the debt is for!! reached out to company CAC Financial by mail, no further info was received. My medical is cover 100 % by the XXXX XXXX clinic that my family visits so there is no way to have a outstanding balance,
Consumer complaint received 2019-10-09
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. (FL)

I have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.
Consumer complaint received 2019-06-13
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. (MI)

I am complaining about XXXX and TransUnion credit reporting agencies. I have submitted numerous disputes regarding inaccurate information on my credit file to both companies with no resolution. I sent all my disputes through CERTIFIED MAIL WITH RETURN RECEIPT, and have all documentation proof ready upon request for this investigation. I am tired of both of these companies slandering my credit file and defaming my character. The erroneous information that they are reporting is drastically affecting me from applying for credit and from qualifying for a mortgage. Everytime I dispute inaccurate information I get an automatic response stating the accounts are VERIFIED. As far as XXXX my most recent dispute was sent ceritifed mail on XX/XX/19, the company then sent a response on XX/XX/19 stating they will not re-investigate the same disputes because it was already " verified '' previously. The following accounts XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and MI XXXX and Govt # XXXX all need to DELETED and REMOVED immediately from my XXXX credit file. Also the bankruptcy on file is inaccurate and needs to be removed. As for Transunion, XXXX XXXX XXXX, XXXX XXXX # XXXX and a bankruptcy all are inaccurate and UNVERIFIED and need to be REMOVED immediately from my credit file. I have also submitted a complaint to the State of MI Attorney General 's office regarding both companies and seek to have this problem mediated in a quick, professional manner. Otherwise, I will proceed with filing a lawsuit against both companies for their willful violations and I will seek compensation for provable and punitive damages I'm entitled to under the law!
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I requested the card several time and never received it. As a final attempt, I called in XXXX for the card to be sent to my new resident and they seem to have mixed up my accounts as I do have several credit card accounts with them but I never got it and the account was closed due to non use ... .How do I use an account I don't have the card for. Anyhow I called to see what had happened and they advised that they sent it out and it was undeliverable because they didn't have my unit number and they then closed the account. I feel they should have took into consideration that I have been trying to get the card to use the account they fail to successfully send the card. The mangers I spoke to show no empathy and didn't investigate my other accounts to see how many times they replaced my other accounts credit cards when they were supposed to replace this specific one. Very frustrated by this as it affected my credit, their policy only protects them!
Consumer complaint received 2023-05-08
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. (MO)

On XX/XX/2022 I requested the following from a creditor about an account and have not received anything in return despite waiting so long. The letter is attached but I am including what I wrote here as well.

I am requesting information for ( Account Number ). Please provide copies of the following information : - All billing statements from the date of account opening ; - A complete reporting history to reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment.

It is my belief that 14 days is a reasonable amount of time to gather this information. I look forward to your complete assistance.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (TX)

Inaccurate reporting on consumer report confirmed by Bridgecrest and credit reporting agencies, Notice of complete validation documentation request not received ( Request sent XXXX XXXX, including Notice of Dispute of account ) XXXX Notice sent fax and via certified mail XX/XX/XXXX due to no documentation request received. Account status not correctly reported to credit reporting agencies and attempt to collect debt including late fees applied during Dispute status.
Consumer complaint received 2018-06-18
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: Experian Information Solutions Inc. (CA)

XXXX and Experian are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.
Consumer complaint received 2020-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if I continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ 70k- $ 90k. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I feel like I am being sent around in circles.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

So i had my credit closed out of nowhere. Then when i went to check at the bank the person that helped me said to make sure if every information of mine was right and i saw they had my social security number wrong. Now i was using this card under a different social so i dont know how this happened and i am trying to build my credit as i just turned XXXX. I still have my other account with bank of america ive been with XXXX since over a year now
Consumer complaint received 2019-06-13
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: EQUIFAX, INC. (VA)

I have disputed items that are incorrect on my Equifax credit reports. I sent a dispute in on XXXX which I never got a response from. I sent a no response to Equifax on XXXX to which I still got no response.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (MO)

Honda Financial Services refuses to send me a notarized lein release letter for Form 4809 filled out so that I can get Honda Financial Services off my Car Title. Honda Financial Services claims that I owe about {$21000.00} +/-. I told Honda Financial Services that the accounting was wrong as the car was discharged under Public Law XXXX  XXXX XXXX Stat XXXX and that they were in violation of the Reversal Charge back Law as well as Consumer laws as well as the Arbitration Disclosure in the contract. A search of the UCC also reveals the Honda Financial Services does not have a commercial lein on my vehicle. Honda Financial Services send me a letter saying that my account was paid in full as well as my promissory note stamped Paid in Full. Despite letting them know this they still refuse to send me my lein release! 
XXXX Account # XXXX vin # XXXX
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2021 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX