davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed these fraudulent accounts on my credit report and I've disputed them several times with XXXX and Transunion and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the XXXX pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent zero balance accounts immediately. Thank you. 

Account Opened Amount XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

I previously filed a complaint requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. At this time I will inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

I found out via my credit reports that there was a collection account being reported to my otherwise perfect credit. I had never heard of this collection agency and never heard of the medical practice that was referenced in the credit report. I was a victim of identity theft and reported this to the credit bureaus plus the dispute of this foreign medical debt. Ive never received any notice of any bill or collection from this company - ever. I called the collection company to dispute this with them, but paid the extortion monies to repair my credit ( even though I still have no idea what this debt is or who these people are ).
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

One of my employees stole {$18000.00} from my credit card terminal in unmatched refunds in the pst 6 months. 
PNC merchant services are not helping me resolve this issue. Stating that i need to re-coup my money from the employee and that this is not their problem. I don't know how this was not red flagged in my account for the fact i do not do any refunds in my business as credit card refunds-only by checks. 
The employee is now on the run and can not be located. 
I am being ignored and dismissed by the bank.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NY)

Dear CFPB AND EXPERIAN, I have sent serval letters and complaints about the fraudulent XXXX XXXX XXXX account acct number XXXX I am not a credit repair company. I am A PERSON. as you should no, there is plenty of information online and in the FAIR CREDIT ACT to help me the consumer to try and fix my on credit consumer report. please look at my documentation that I sent for your review, this is really getting ridiculous. Im telling you that THIS IS NOT MY ACCOUNT AND I WANT IT REMOVED FROM MY CREDIT REPORT. YOU HAVE NOT SENT ME ANY DOCUMENTATION THAT THIS XXXX XXXX XXXXXXXX ACCOUNT WAS OPENED BY ME
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

My account with XXXX XXXX has been disputed on 4 occasion since XX/XX/2021 ; however, I have not received any correspondence for them. The credit bureaus has not been able to validate this account. There is a lot of inaccurate information reported to this account that is hindering me.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (MI)

My identity was used to open an online account with myEquifax.com, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, also on XX/XX/2022, case # XXXX, I called Equifax at XXXX, and XXXX, to have the illegal account that was opened with my identity closed due to my identity being used to open an account with myEquifax.com, I have an police report case # XXXX, also on criminal complaint submitted with the state of Michigan, case # XXXX.
Consumer complaint received 2021-02-17
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. (GA)

TransUnion is reporting the account with XXXX/XXXX XXXX/XXXX  inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. XXXX XXXX advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : Navient, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Discover bank is reporting a charged off account in my name that is the result of identity theft. They recently verified the account as accurate. The FAILED to provide me with proof of the debt, my signature on the original contract, original terms of the account, any proof that the account belongs to me. In addition, the balance reporting on the XXXX 's is not accurate and does not make sense.
Consumer complaint received 2023-03-23
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. (OK)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-17
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: HOMESTAR FINANCIAL CORPORATION (GA)

From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2021-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helm Associates (PA)

This account is no obligation of mines 15 usc 1692b. The creditor stated account was accurate however a full investigation wasnt done 15 use 1681 ( A ) ( E ). Other Violations 15 usc 1692f, 15 usc 1692e, 15 usc 1692j, 15 use 1681 ( b ) ( A2 )
Consumer complaint received 2021-06-15
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. (FL)

I submitted a dispute about XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report that is in violation of 15 U.S.C 1692g. These Agencies were to notify me 5 days prior, they did not. According to 15 U.S.C. 1602 As the original creditor, only I can validate these debts. I do not validate these debts. Experian is also in violation of U.S.C. 1681 by stating that they verified the accounts. Only the Original Creditor can do that, as stated above I do not so how did they verify these accounts?
Consumer complaint received 2019-10-13
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: EQUIFAX, INC. (UT)

Equifax is allowing XXXX XXXX XXXX to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. XXXX did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.
Consumer complaint received 2023-03-23
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX Balance {$5300.00}.
Consumer complaint received 2021-06-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I settled this debt over a year ago. I do not understand why I still owe it. At this point I do not remember if I paid a different collection agency or if I paid Cash One directly, but I definitely paid someone. Once I learned XXXX XXXX XXXX  was still collecting a debt, I was confused but wanted this fixed. I tried to resolve this amicably by paying them to remove it, but they refuse. I dont think its fair that I have to pay twice on this account because I have already settled it a year ago. There should not be a balance, and this should not be on my report.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Over the past 3 months i have been trying to make this loan current, Bank of america has lied to me on several occasions, after i do exactly what they tell me to do they 'Change the rules and give me more hurdles '' I received a call from BOA i asked what my options were as the legal executor of this estate ( loan ) a Rep from BOA told me to Become the Successor of Interest, after that was confirmed i could defer the past due balance, and then make payments on this as agreed upon. 

Near the end of XXXX  i was instructed to mail in a letter stating my intent to become the successor of interest, i then on XX/XX/2021 received a letter that i could NOT be the successor because i have not assumed the loan ... .you cant assume the loan until you become the successor.. SO i resent paper work fast forward to today XX/XX/2021 receive a call from bank of america. I asked about the successor of interest status i was told " one tab says you are the other says you are not '' while i was waiting for this to be confirmed i asked WHEN im confirmed id like to defer the loan as stated in a previous phone call, today i was informed that i CAN NOT do This now, even though i was told i could less than a month ago. Please note the rep at the end of the call still did not know sure if i was conformed successor of interest yet I requested that the phone calls form the last 3 months pleased be reviewed ( bank of america records all calls inbound and outbound ) and then a person of Authority please contact me to tell me why i was told something that is not accurate. something as important as this I was informed that i needed an attorney to be able to get a transcript of conversations that were made via Myself and the bank. I find this not true as i am more than legally allowed to make all decisions on this account. 

Basically this is a he said, she said dispute, there is a very easy fix for this go to the recordings and check, this is why they record calls, if i am correct then the bank needs to honor what was promised since they are responsible to know the rules not me.
Consumer complaint received 2022-07-23
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: Trident Asset Management, L.L.C. (MS)

Trident Asset Management, unlawfully added a 120 day late payment to my report without cause in XXXX of 2022. I have never entered into an agreement with this company. They purchased my charged off debt from a previous debtor, this late payment was added in retaliation. I request that this account be removed from my report immediately.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates : XXXX XXXX XXXX. 

Original Creditor : XXXX XXXX  no official notarized paper trail of account ownership offered by Portfolio, just the typical 1 liner of : " The original amount of this account was {$1400.00} '' as their sole means in which to claim ownership of account. 

What date was the last purchase or payment - the official time to mark the clock for 7 years? Not offered by Portfolio.
Consumer complaint received 2021-02-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (KS)

XXXX - applied for forbearance program covid related reduced income 2020 - approved - lender, Quicken Loans ( Rocket Mortgage ) still took payment ( automated ). They refused to refund the money - said it would make me delinquent and subject to negative credit reporting. I took the hit and borrowed at high interest loan to cover debt balance on checking and over draft fees in XXXX. They did this again in XXXX with a one time payment they claimed I setup - but when talking to them they said all payments were canceled. I said I could start back in XXXX but now this is looking to have caused 10 over drafts this month too.. I am back working and earning - but less than before - but still want to get back on track but they are not willing to reverse and are threatening to file negative remarks if I ask bank to stop pay.
Consumer complaint received 2021-12-02
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2023-03-23
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. (MD)

This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2020-02-20
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)

This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX.
Consumer complaint received 2020-02-20
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 informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX   XXXX XXXX {$930.00}