davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery (NY)

I recently received a collection noltice from Immediate Credit Recovery Incorporated saying that I owe {$1200.00} for a previous student loan debt. I'm currently paying my student loans every month and I have never heard of this bill. I disputed the claim with the collection agency asking them to validate this information with a signed contract from me. They did not send me a signed contract. They sent me a bill claiming I owe. This bill doesn't prove anything. I still don't see where I owe this agency anything. They are not following the law by sending me a signed contract with my name on it proving that this debt is mine.
Consumer complaint received 2019-03-10
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. (AL)

I have a victim of identity theft ... The account is Alabama state XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my report
Consumer complaint received 2019-03-10
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. (NY)

I am an authorized user on an account with XXXX XXXX XXXX that was charged off for {$140.00}. I am not responsible in any way for that charged off amount. The account is not in my name. I asked the account holder to put me as an authorized user to help me build my credit. Well now the account is charged off and is drastically hurting me when I apply for credit. I have disputed this account with the credit bureaus MANY TIMES. The most recent time was this month. I have asked the bureaus to validate that this account is reporting correctly on my credit report. XXXX has deleted the account from their file because they could not validate it to me with proof. Experian and XXXX have not removed the account. Experian keeps saying that the account is verified but will not show me any proof of verification. How is that correct? How can one account have the same information and one bureau not able to verify yet the other two are able to verify the account? That sounds impossible.
Consumer complaint received 2018-12-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (AR)

Received letter dated XX/XX/2018 from XXXX XXXX, reference # XXXX. Under credit report, { highlighted area } the last Statement it reads : { Too few accounts currently paid as agreed }. I had no agreement and it did not come from XXXX. At he time of loan application I had paid off the boat, car, and 2 credit cards, I believe the report to be slanderous and discrimitory. The only loan out was the mortgage. Thank you.
Consumer complaint received 2019-03-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Equifax just reports anything without any prior notifications, Equifax breach probably caused more aches than anyone else they should be held liable for their mishandling of information. 
I have disputed information with them before now they placed some more derogatory information on my credit for an unknown medical bill from an emergency bill??? I have no medical emergency! 
Highest Balance {$180.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX FLORIDA Creditor Information XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automatic Data Processing, Inc. (WA)

XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by ADP on behalf of XXXX, XXXX, XXXX XXXXXXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX XXXXXXXX card in Pennsylvania. I'm told that I was sued by XXXX XXXXXXXX and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2021-12-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-07-24
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. (MO)

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing Experian, XXXX & XXXX  are still reporting the fraudulent accounts.
Consumer complaint received 2021-06-03
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (SC)

On XXXX XX/XX/XXXX, we noticed some incorrect information on our credit reports and opened a dispute with all three bureaus concerning the wrong information. We had a XXXX  XXXX bankruptcy back in XXXX in which the financial institution, although listed in the bankruptcy, their loan was secured as a creditor. On our credit reports, this account is listed as closed, with no payments due, and no payment history. We have received a statement each month from the financial institution, paid the payments as agreed on the establishing contract and have never been late. We would like the credit reports to actually reflect the true status of the account, i.e. still open, paid on time, and truthful history of payment. It seems that the financial institution considers itself except from reporting truthful information, because it was merely named as a creditor on the bankruptcy. This is unfair to the consumer who has paid faithfully. If there is no balance as shown on my credit report, then why am I still getting statements and paying?
Consumer complaint received 2022-01-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX fromXX/XX/XXXX 
however the record only reflects XXXX.
Consumer complaint received 2018-12-05
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: CITIBANK, N.A. (IL)

I originally filed an Identity Theft Report with the Federal Trade Commission on XX/XX/2018 and mailed a copy to CBNA also known as CitiBank Best Buy. 
I also mailed the major threecredit bureaus ; XXXX, XXXX and XXXX, copies. The credit bureaus did remove the Citibank Best Buy fraudulent account from my credit report but Citibank Best Buy reinserted the account into my XXXX credit report. 
I have made several phone calls since and after several investigations Citibank Best Buy still reports it as a valid non fraud account. This is a fraudulent card opened in my name, Identity Theft Report was filed and copies mailed to Citibank Best Buy and still thisnhas not been removed which should of been by law but they have still been reporting it illegally. 
I will not await another reinvestigation as that will just delay the process another year.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd (KS)

XX/XX/XXXX a debts collector call asking for money asking for me to verify personal information he wants me to pay everything very pushing after a while I say yes I was gon na pay I just left the phone a hangout up and XX/XX/XXXX after my treatment in clinic a phone call came I say he there to talk to XXXX, he say is me, like he knew me, call me by my name I was confused he start asking about by social security again by social are this 4 your your social are this 4 your social, he say, he is the debit collector pushing I confused say yea and he hand up after I try to reach back the number just say nationwide recovery online people say is a debt agency that after you pay for collection it takes extra money for your credit I want to report it before it happens to me
Consumer complaint received 2022-04-28
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: CITIBANK, N.A. (UT)

I've had an account with Best Buy ( Citibank ) for over 24 months. I have NEVER been late, always paid on time. On XX/XX/2022 I noticed a late mark on my credit report and I immediately called Best Buy. I explained to them that I had a fraud alert on my card ( someone was taking money out of my bank ) and I cancelled that account. I told the agent I had NEVER been late and if they could please remove that late mark as it had DESTROYED my credit score. She said " Yes of course, we'll go ahead and DELETE this late mark right now and you should see no late mark on your report in 30-60 days with our updates '' I said thanks and patiently waited for 30 days .... nothing ... then 60 days... still nothing. I called again late XX/XX/2022 and spoke to another agent and explained the situation. He said " Oh yes I do see that it will be removed in the next 2 days. It looks like you called a few days before the 60 day mark so by XXXX it will be REMOVED '' I said okay great thanks and patiently waited. Fast forward to XX/XX/XXXX, still NO UPDATES..so I called for the 3rd time and spoke to an agent that said " No we do not do credit updates and will never do that so I apologize for the wrong info. Theres nothing that we can do '' SERIOUSLY?!?! I am so frustrated with Best Buy ( Citibank ) on this. I NEED SOMEONE TO FIX THIS ERROR. You guys just let your agents LIE to your customers?!?!
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (IL)

I had paid off loan successfully for the full loan amount. 
In my credit report it states that Santander USA reported that the amount was charged off and was paid for less then remaining balance. 
Also my payments were 70 % on time or early in my report it states only 30 % was on time payments. 
Santander USA was sued by 34 attorney generals for violating consumer protection laws and had to pay {$550.00} XXXX dollars resulting from the law suit.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

Our mortgage was with Ditech and was sold in XX/XX/2016. We are attempting to purchase a new home and Ditech is reporting that our home was settled for less than amount owed. This is preventing me from purchasing a new home. Attached is the HUD-1 for the sale of the home, Letter from Ditech that states " PAID in Full '' and letter from XXXX XXXX XXXX , XXXX that indicates " paid in full ''
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NV)

Received a notice from my new monitoring service regarding an account from CREDIT MANAGEMENT LP from date XX/XX/2018 in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$370.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Consumer complaint received 2019-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

On Friday, XX/XX/19 Navient has disclosed personal information to my relatives about my student debt without my permission. They have not contacted me via phone in 6 months and have decided to give my family members in Georgia information about my student loans. The name of the Agent was XXXX and she lied stating she got my cousin 's information that I disclosed to them, which i did not.
Consumer complaint received 2019-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc. (AZ)

Attempted to dispute debt multiple times with credit bureau but stated debt was legit. I have not received a bill for this amount. I have attempted to reach out to the XXXX XXXX XXXX XXXX and they are unable to produce an itemized bill for dates of service. Stating I owe {$970.00} for medical debt, however, I do not. This is NEGATIVELY affecting my credit score and I need for it to be erased. This has been going on for two months. I need action taken immediately.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KS)

The XXXX credit card financed by synchrony was opened by me XX/XX/XXXX. The account was closed by synchrony in XX/XX/XXXX. I received notice of the closure from a credit monitoring service. I never received notice from the financial company. 

I called synchrony on XX/XX/XXXX. They confirmed that the account was closed with a XXXX balance. When asked why they closed the account it was due to inactivity. When I asked why wasnt I notified of the closure the representative stated that they didnt have a letter for this scenario. 

I was planning on using the account to purchase furniture but hadnt been able to decide on what I wanted and the store near was not taking appointments due to a store remodel. Closing the account without knowledge would mean that I would have to reapply for an account which would adversely impact my credit score.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

A few days ago XXXX XXXX XXXX  put a account on my credit report and I was never giving any physical notification in writing pertaining this alleged debt or notification for the attempt to collect this debt that is a violation. No information given regarding account. Violates federal 15 USC 1692g ( a ) and 15 USC Section 1681. I never authorized or given permission for this to be reporting. This account had already been removed from my credit report once because it was a fraudulent account. This is a violation of 15usc 1692 ( a ) this is harassment and they are hurting my credit reputation
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THERE IS A XXXX ACCOUNT ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE TO BE OPEN USING MY PERSONAL INFORMATION AND I BELIEVE THIS IS A CASE OF IDENTITY THEFT. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AS THESE NEGATIVE REMARKS ARE HINDERING ME FROM OBTAINING NEW LINES OF CREDIT. ALSO THERE ARE 3 HARD INQUIRIES THAT I DID NOT INQUIRE XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX ( Finance ) XX/XX/2023 I NEED THESE ISSUE HANDLED PROMPLTY PLEASE TO AVOID LEGAL ACTION