davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (TX)

This is my 10th XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (CA)

I have contacted XXXX, XXXX, & Equifax notifying them all also showing proof of Identity Theft & showing The XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX XXXX doesnt belong to me nor have I allowed anyone to open them in my name they have all responded saying they placed it back on my credit report because the Creditor responded to the dispute saying the accounts belong to me & Im responsible this is very wrong & my credit reports should not have this negative information reporting.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One allowed someone else to open this Credit Card in my name Ive contacted them directly, also have contacted all 3 credit bureaus & Capital One has responded to them saying this card belongs to me & it definitely doesnt I never opened this Card.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-24
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 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
Consumer complaint received 2019-09-20
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a bankruptcy listed on my credit report. I've sent multiple letters to the bureau asking for the METHOD OF VALIDATION ... in other words, WHO reported that bankruptcy to the bureau. To date, the bureau has not responded to me with any information I have requested.
Consumer complaint received 2019-02-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (MO)

I attended XXXX XXXX XXXX XX/XX/XXXXto late XX/XX/XXXX. I recently received a collection notice from XXXX XXXX saying that I owed {$8600.00} for a student loan taken out through XXXX XXXX XXXX through XXXX without my knowledge. I never signed for this loan, I never took this loan out and if they have anything saying I did, it was fraudulently taken out. I have never received any bills or correspondence regarding this bill until I got this collection notice in the mail. I am not the only student from XXXX XXXX that has this issue with XXXX XXXX. I am dealing with the XXXX XXXX right now for the Federal loans that I have ( they are in forbearance ), due to the fraudulent activities, lies and coercion I encountered while dealing with XXXX XXXX. I was lied to and told that I could transfer credits, I would be placed in a high paying position and I was told if I didn't sign up asap, the cost of the program was going to sky rocket. They had subpar equipment, subpar teachers and they told me they were accredited. I am not responsible for this loan ... I also did not finish the program, so how in the world did they manage to get {$52000.00} from me??? I have also contacted XXXX regarding the lawsuit that was filed against XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. There is also a lawsuit that was filed against XXXX XXXX - Case No. : XXXX, filed in the US Bankruptcy Curt for the XXXX XXXX of Indiana, XXXX Division. This lawsuit covers all XXXX XXXX students.
Consumer complaint received 2019-09-20
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. (NY)

The remaining balance on my student loans ( roughly XXXX in XXXX ) was discharged in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year  reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a zero balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.
Consumer complaint received 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I signed up for loan forgiveness program. I have been working for a nonprofit organization since XXXX. My loans were transferred from navient to Fedloan servicing XX/XX/XXXX. XX/XX/XXXX i received a welcome email from fedloans. Fedloans try to charge me for past due amount during the transfer from XXXX. Initially i had to file a complaint because Fedloan were not applying my payments towards loan forgiveness program. After the complaint only 4 qualifying was adjusted. I have been making payments to navient since XXXX and only 4 payments qualified according to FedLoans i find that hard to believe. XX/XX/XXXX i received a qualifying letter it was 4 in XX/XX/XXXX another update 4 payment qualified. It is now XXXX only 4 loans apply since XXXX where are the additional 8? 

My first payment directly to Fedloans was XX/XX/XXXX. It is almost one year and i only made 4 qualifying payments? Something is wrong with this. I am actually paying ahead this message is on my account ( You are paid ahead since you made some payments above and beyond what was due. )
Consumer complaint received 2019-09-20
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. (GA)

XXXX and Experian are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 )  bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-20
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: FREEDOM FINANCIAL NETWORK (MD)

Freedom Debt Relief was helping us with our bills we were paying them {$1000.00} a month to to consolidate our bills. We thought they were paying our bills but they were just paying them one at a time but the rest of the were not paid. Then the rest of the bills got late on payment.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I have attempted to link my checking account at PNC Bank to Savings and investing services like XXXX and XXXX, and their security protocols are not allowing me to do that. I have tried every avenue to link these accounts, and have verified security and  ownership of the accounts time and time again in an attempt to link them. It should not be this difficult to connect an account that I own to a third-party savings app.
Consumer complaint received 2019-09-20
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. (GA)

Equifax and XXXX are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (GA)

I recently checked my free credit report with XXXX  and noticed that there was a collection of debt for listed on my credit report. According to the credit report, the date assigned for this debt was XX/XX/XXXX for an original amount owed of {$2600.00}. After fees for collection, the total amount owed was brought up to {$3900.00}. I have continuously tried to get in contact with the collections agency that was in charge of my debt. Unfortunately, there has been no communication from the collections agency with me. Every time that I try to call and communicate with them, the call goes straight to voicemail. I have also tried emailing this company and no one has responded to any email I have sent. It has been impossible to communicate with them and I'm afraid that by not being able to talk to them, it is going to continue to hurt my credit score. 


XX/XX/XXXX : first learned of debt that had been sent to collections in XX/XX/XXXX from obtaining my credit report from XXXX. 
I have never personally received a phone call, email, or anything in the mail about this debt that has been in collections since XXXX. 

XX/XX/XXXX : Attempted to make contact with Premiere Credit of North America at XXXX XXXX with no answer. Was told to leave name and number and they would get back to me. 
Initiated another phone call at XXXX with no answer. 
Went on Premiere Credits website and listed my email and contact info on their contact us tab. 
Initiated another call at XXXX XXXX with no answer XX/XX/XXXX : Attempted to make contact with Premiere Credit once again at XXXX with no answer. 
Initiated a phone call at XXXX XXXX with no answer Decided to wait one week to hear from Premiere Credit before attempting to call again. 

XX/XX/XXXX : attempted to call at XXXX XXXX  and it went straight to voicemail
Consumer complaint received 2019-09-21
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. (IL)

I have written & called Experian several times to let them know they are still reporting fraud accounts on my credit report. I called & spoke with someone in the fraud department & they stated this would be taken care of months ago & it is still the same. I have sent in the requested information of ID, social security card, police report, & identity theft report. The accounts for XXXX XXXX XXXX, XXXX XXXX   XXXX  ( there's several accounts listed for this company ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX/XXXX are not mine. All those are fradugelent accounts that someone has opened in my name. PLEASE DELETE THOSE ACCOUNTS.
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. (IL)

Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : XXXX am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding a deletion of the following account. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2023-07-06
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. (CA)

The Credit Bureau has violated 15 U.S Code 1666b in continuing to report inaccurate late payments. Please remove all lates from the following accounts, XXXX ACCt # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I purchased XXXX acrylic prints for my wife for our anniversary. I paid through XXXX using my credit card. When I received the prints they were damaged and I requested a refund through XXXX. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. Thank you
Consumer complaint received 2019-09-20
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: Medical Data Systems, Inc. (GA)

I am complaining because Medical Data Systems Inc is reporting derogatory information to my credit file. I have already disputed this information and it was removed from one of the bureaus. It still remains on my XXXX and XXXX credit file. The account doesn't belong to me, and I want the information deleted from both credit files immediately.
Consumer complaint received 2021-03-06
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 (GA)

On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.