davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX i recieved an email that i was going to receive a card that i did not request. On XX/XX/XXXXi received an email that the card was on its way and i had no idea what it was talking about. OnXX/XX/XXXXi got a card in the mail and im afraid i will be charged fees on a card that i did not apply for
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (SC)

I'VE SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED. XXXX has already removed these items, and I'm waiting for XXXXXXXX XXXX   update as well.
Consumer complaint received 2019-06-25
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Texas Guaranteed (MO)

received document from the company ( trellis company ), stating that they had acquired a delinquent student loan debt from another company. I received this notice on XX/XX/19, however the letter was dated, XX/XX/19. With that, the letter states that they ( trellis ) acquired this debt from another company ( XXXX ) who was well aware of the fraudulent nature of this student loan, as I not only have never taken out a student loan, I have never been a student outside of receiving a free public high school education. Thus making it more than impossible for me to incur student loan debt. Trellis Company has threaten to tarnish my credit score, by reporting this erroneous baseless account, as well as garnish my wages. Ultimately, Trellis company is attempting to collect XXXX for a student loan, that i never received, did not consent to, and had no knowledge of. I have sent them the original police report associated with the original fraudulent account, as well as, a letter explaining my position.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I'm as the bank. To Stop On a money transfer On the next day I call Someone tell me She didn't see anywhere I Put Any stop payment And She tel me I have Go find money To cover For dad Bill The bank Still send t he money Where I don't want it to go N charge me {$30.00} For stopping payment I want my money back
Consumer complaint received 2023-04-09
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: Allied Collection Services, Inc. (Nevada) (NV)

In XX/XX/XXXX an inaccurate information was published on my XXXX credit report by ALLIED COLLECTION AGENCY without any contact with me. I disputed this report and XXXX initially removed the report only to publish it again on XXXX, XXXX and XXXX now including the original creditor XXXX XXXXXXXX XXXX XXXX. I again disputed the accuracy of the debt through a letter sent to all 3 credit bureaux yet they keep removing and republishing this false negative report. 
The debt collector later sent documents on the purported debt to my wife XXXX XXXX XXXX XXXX while blurting out my name from all documents. The fact of the matter is that we moved out of XXXX XXXX XXXX on XX/XX/XXXX and left the apartment in good condition barring normal wear and tear and we left a security deposit of {$2400.00}. We did a final inspection of the apartment with the staff of XXXX XXXX XXXX and have our video and photo evidence. The staff even refused to let us take video evidence until we spoke to a manager on phone. THE DAMAGES CLAIM ARE INCORRECT AND OVER BLOATED. We dispute a lot of the charges like the rent, garage remote, interior paint, dry wall repairs, micro wave broken handle, solar vinyl prorated. Our rights are being violated by the continued publication of this false report until a court decides
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-06-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (FL)

This complaint is for a debt collector company name " EOS '' Around XXXX I attended XXXX University graduate XXXX, and now XXXX the school long been close for fraudulent activities but ever since late XXXX my mother been receiving robocalls from EOS company, they are stating that she has cosign for me when I attended that Fraudulent school " XXXX University/XXXX  '' back in XXXX when supposedly the lawn were so-called taking for the amount of {$4000.00} which now become {$5000.00}!!! Who had long shut their doors for lawsuits against them for misleading people by attending they're so-called UNIVERSITY. 
I was unaware of these robocalls to my mother! Today after answering one of the EOS Operative impersonating to be a lawyer, and a debt collector. Who stated that if I Am XXXX XXXX which I reply Yes, and give my new address which I just move in with my wife about last month on XX/XX/XXXX to be exact! Then I tried to complied with him and he was being very rude too. Then that trouble my mind so I call them again to tried to get some more info from them but this time a lady pick up! They even tried to say that they have spoke to me on several occasion which I have no knowledge off because after I contact my mother! She indeed told me shes tired of these people tried collect a lawn that we don't even remember taking from that XXXX school! But again it's " XXXXXXXX '' affiliates! They even mention to me they have repurchase the lawn from another lender after 12 years! To tried collect the debt that is in collection ... it's company like that! That make this generation believed in that new " College is a Scam '' movement. Because of robo calls and malpractices on they're way of going and tried to accused people and kept them in bondaged that they knew not or debt that have may have been long expired. Please I will like for CFPB to assist me on this matter. 
I and my mother truly don't know about that lawn she have cosign on my behalf 12 years ago. The company tell me over the phone that! I'm in collection which not true! And if I am they may have reported that XXXX so-called debt of there's today XX/XX/XXXX after pick up they're anonymous call. I know nothing of that Private School lawn that XXXX may have misused my information without my consent! Honestly don't know All I know is that I have school lawn with " XXXX XXXX '' Now become XXXX! And been making my payments etc ... Truly I wasn't aware of that so-called private till to day. 
So Please CFPB I need help resolving this.
Consumer complaint received 2019-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Consumer complaint received 2019-06-24
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: Experian Information Solutions Inc. (OH)

The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX AD XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX   # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX/XXXX # XXXX for the amount {$3700.00} us dept of edXXXX # XXXX for the amount {$2200.00}
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CO)

Received notice that a collection account was opened by Sequium Asset Solutions , LLC. for a debt " owed '' to XXXX in the amount of {$48.00}. I never received a phone call, email or notice in the mail. The same amount was sent to collection last year. The charge was disputed because I did return my equipment. XXXX credited back my account and the debt was removed from my credit report. I initally paid the {$48.00} owed to XXXX and they issued a refund when they received the credit update from XXXX. Now, I am in collection for same amount as last time. XXXX did not remove the debt from their system and once again, sent me to collection. Attached is the previous report from the last dispute.
Consumer complaint received 2019-06-24
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: EQUIFAX, INC. (OH)

The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX XXXX XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX   # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX/XXXX # XXXX for the amount {$3700.00} us dept of edXXXX # XXXX for the amount {$2200.00}
Consumer complaint received 2019-06-24
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: LEXISNEXIS (GA)

I have mailed several certified letter disputes requesting XXXX XXXX and lexis Nexis to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate information.
Consumer complaint received 2019-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (SD)

My student loan account was transferred to a higher education government student loan official at which Wells Fargo has yet to provide the credit bureaus with accurate information regarding said loan. These accounts with Wells Fargo were close in XX/XX/XXXX since then the accounts were brought current and have been paid off since XX/XX/XXXX from here I first reached down. To get this corrected in XX/XX/XXXX at which point I was told XXXX XXXX XXXX through the government would needed to be contact to get the issue resolved I have reached out to them and again was told that Wells Fargo needed to correct the situation. I again try contacting Wells Fargo in XX/XX/XXXX and they stated the same thing the higher education services would have to take care of the reporting to the beauers. Government officials have the current loan payments and payoff information reported correctly on their side. I've disputed these accounts multiple times with no luck and getting it resolved so in XX/XX/XXXX I began to research XXXX XXXX XXXX could you help me correct my credit reports the fees associated with the law firm Are {$110.00} a month until credit report are up-to-date into my satisfactory they have no way of knowing exactly how much it will end up costing as it is a month to month fee with this being said I again reached out to Wells Fargo on XX/XX/XXXX and again explain the situation and they Place nothing but blame on the most recent agency that held the accounts for my higher education! It is very clear on my reports to whom is at fault on these loan documents. I would like some serious investigation done without having to cost me any additional fees or headache
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2018-06-18
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. (VA)

I have been disputing an account XXXX XXXX that Equifax as on my credit report. This account does not belong to me. Ive requested for the last two years that Equifax send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX XXXX which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is Equifax reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and Equifax as failed to do so.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NJ)

to whom it may concern : Under federal law any collection company must posses : ,a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. 
Please remove this report from my credit or I will pursue monetary retribution. 
Thank you for you quick responds.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KS)

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH MIDLAND CREDIT MANAGEMENT. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2023-06-13
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: Affirm Holdings, Inc (NC)

In accordance with the Fair Credit Report Act XXXX account number XXXX has violated my rights. 

15. USC 1681 Section 602 states I have the right to privacy.

15 USC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not. furnish a account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

XX/XX/2019 Cavalry portfolio services called asking for my father, do I know this person ect. I said I did he was my father, they hung up on me. My father died last month. I phoned them back XXXX which is the number that called. I asked why they were calling me about my father. I said he past away, they said you need to send us his death certificate now. I don't know who would be doing this, is it a scam? I told them never to call me again and then they asked for my number,,,
Consumer complaint received 2019-06-24
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. (CA)

I have a public record on XXXX XXXX which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and payments.
Consumer complaint received 2019-06-24
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: Diversified Consultants, Inc. (TX)

I have sent several requests to Diversified Consultants asking they provide a written and signed contract between me, XXXX XXXX, and Diversified Consultants regarding a repayment plan. I have not received a response from this company. I sent these requests on XXXX/2019/ XXXX/2019 and XX/XX//2019.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (IL)

I went to purchase a vehicle and needed a car loan. I received a letter from XXXX XXXX   after I purchased my vehicle. They informed me by letter that they turned me down because of my credit report from SageStream LLC giving me a score of XXXX. 
They also informed me that my score from XXXX was XXXX. Much higher than SageStream. My complaint is not with XXXX taking Sage Stream over XXXX  my complaint is they are taking a consumers information acting as they are a reputable credit reporting agency. When I called to talk to them about it all you get is a recording to go to their website. I am concerned that a non reputable company is allowed to have a consumers private information and are falsely misleading.
Consumer complaint received 2018-06-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo auto dealer services. Ive co signed for vehicle with primary joint holder and joint holder was responsible for making payments.. which was opened on XX/XX/2007 I was never made aware of account being in default.. Due to not having access I was receiving phone calls and being threatened to pay debt.. Which I had no knowledge of. The FCRA states any account thats over 11 years old or more she be considered no longer responsible and be removed off of credit report..
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NY)

I get a letter from aargon collection agency about a final bill of XXXX, I call aargon collection agency and he told me on year XXXX, I owe XXXX  XXXX XXXX XXXX XXXX dollars, but the problem is I never open a XXXX  account in XXXX  XXXX because I live in XXXX  XXXX.