davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (CA)

On XX/XX/XXXX I got a demand of payment from a company named, FIRST FINANCIAL ASSET MGMT INC. they alleged, that I owed them $ XXXX.I sent them a letter right after I recieved their letter, of a contractual relationship, between I and them and ..which will make FIRST FINANCIAL ASSET, a company entitled to enforce a commercial claim against me ... I also said that this letter is not for a " verification '' or " validation '' ... ... ..which they haven't shown me ... ... ..they keep on trying to collect this money from me, without showing if they are entitled to this money ... .I also informed them that this letter was a request for proof of contract to substantiate your claim ... ... ..therefore provide a certified copy of an original contract, with my signature, specifically naming your company as a person, entitled to enforce a commercial claim against me ... ... .to this day they haven't done this yet ... ... ..I just got another ( XX/XX/2019 letter of demand for payment, now they are lowering their price, to XXXX all I want is for this company to stop their collection efforts ... ... Thank you ... ... XXXX XXXX.
Consumer complaint received 2017-07-06
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has been showing a closed account on my credit report since XX/XX/XXXX 2013. I have made several complaints and phone calls throughout the years to resolve this matter. I have reached out to the credit bureaus to send proof or validate information. Per the notes listed on my credit report XXXX XXXX XXXX  no longer owns the account, the account is a XXXX balance and the account was sold to another lender. Yet this negative item remains on my credit report without any validation which is against the law! I need proof. Remove this off of my credit report. I am fixing to get a lawyer since nothing has been done.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

on XX/XX/2018 I sent a certified letter to company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX - XXXX XXXX XXXX XXXX with proper identification requesting to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), of the account balance {$110.00} They are required by federal law to verify FCRA ( Section 609 (  a ) ) They did not provide me with a proof of verification, as a gesture of goodwill before litigation if needed, I am requesting removal of this account from my credit report.
Consumer complaint received 2018-09-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group (TN)

I have been contacted by this company multiple times and have sent a cease and desist letter asking not to be contacted again. Letter was mailed on XX/XX/XXXXfrom the post office. I was not contacted again until today, XX/XX/XXXX, by XXXX XXXX. I returned her phone call at XXXX XXXX & she became very hostile over the phone when I refused to pay. She claimed they did not receive the cease and desist letter, when I asked for an address to send the letter again she refused to give me the address until I answered her questions. She claimed the call was recorded, and I hope it is for the CFPB to investigate, as when I asked her to not contact me anymore she said she would continue to contact me. She also claimed this could come back to hurt me ; did she mean physical? Right before she hung up on me she mentioned the type of car I drove. A scare tactic like somebody is watching me or was she misrepresenting they would try & take my car which has nothing to do with this case? She claimed the debt was for a high interest loan taken out online with XXXX XXXX XXXX.  When I research XXXX XXXX XXXX their interest rate is above the maximum legal amount allowed in Tennessee and Northwood Asset Management is not licensee to collect debts in Tennessee.
Consumer complaint received 2018-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I have had continuous problems with XXXX XXXX. They are taking advantage of people with student loans under the Public Service Loan Forgiveness ( PSLF ) program. They will not consider taking into account I have made over four years worth of payments to XXXX XXXX before moving my loans to XXXX XXXX in XX/XX/2017. XXXX has yet to tell me how many total payments I have made toward my 120 qualifying payments before the loan is considered forgiven. I have made numerous phone calls ( more than 5 ) to get an answer to this question and have not received back any consistent answers. They currently say they have my loan under a review, but that it could take months for them to make a decision about how many of my payments should qualify for their program. They also claimed they would not considered any payments that I paid ahead ( I explained I did this because of building interest ). I was promised calls back numerous times and no one reached out to me or returned my calls. I have been with XX/XX/XXXX for over two months and have yet to receive any notification of how many qualifying payments I have made nor have I received a date of which I could expect to be eligible to apply for loan forgiveness.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I viewed my credit reports and saw that I have 15 Education Loans that dates back to XXXX with XXXX XXXX XXXX on my credit reports. 
These are several accounts reporting the one late payment for XX/XX/XXXX, also stating that " the '' one late payment is 90 days late. However on the previous year XXXX, I paid on time from XXXX to XXXX, so I do not understand why they are reporting a 90 day late on XX/XX/XXXX. Are there still only 30 days that make up 1 month? This inaccurate reporting has been negatively impacting my credit. 
It is also being reported as 15 late payments accounts when it is the SAME ACCOUNT AND THE SAME MONTH XX/XX/XXXX. 
These accounts have been PAID and CLOSED. The last updated report was from XX/XX/XXXX, this information is outdated. Also on the same credit report, the same account number also has 3 accounts  reporting XX/XX/XXXX as paid and in a positive status. This also conflicts with the other accounts, please note they are all the same account numbers.
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc. (FL)

Called this company DIAZ AND ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX about a debt that was owed to another company known as XXXX XXXX XXXX. I ask for verification of debt but was getting the run around I told them if they can not verify this debt to please remove this debt from my credit report. But apparently it is still appearing on my credit report
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 XXXXXX/XX/XXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2019-11-01
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. (CA)

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2018-09-18
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: Resurgent Capital Services L.P. (OH)

I recently discovered this company XXXX XXXX on my credit report. XXXX XXXX appears to be a debt buyer that likely purchased this account for pennies. I have never had any communication with this company. I have never had any business dealings with this company. I have no knowledge or validation of this account, nor have I been provided with any information of this account. The account either does not belong to me or is VERY old and has been sold and resold, as I stated this company has listed themselves on my report as a debt buyer and as if they are my creditor. The company also switches names and goes by another name of Resurgent Cap who is also not a creditor of mine or anyone that I have done any type of business with whatsoever. I want this removed from all 3 credit bureaus immediately.
Consumer complaint received 2023-01-31
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (OH)

This collection is stemming from me living and renting from XXXX on XXXX at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. This bill is for {$2700.00}. On XX/XX/XXXX, I emailed XXXX XXXX, XXXX to let her know I was moving out and gave her 30 day notice. At this time, I was living there month to month with no lease. Under Kentucky 's Uniform Residential Landlord and Tenant law, month-to-month leases must be terminated with a 30 day written notice of termination. She did email me back and advised it is still 60 days per the lease, I had no lease at this time. 

I will agree, with the bill that I do owe some ancillary charges of cleaning, replacement of screen and blind, but certainly not for XX/XX/XXXX rent. I will pay {$390.00} to XXXXXXXX XXXX XXXX XXXXXXXX if this is taken out of collection, if not I will involve my lawyer. 

Please respond to me, so that I may take care of this as soon as possible XXXX XXXX
Consumer complaint received 2023-05-30
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

Last week I went to Costco and when I was going to pay with my debit card, I couldn't do it because my card was blocked, I called to my bank and they told me that they are going to send me a new debit card because my account was working very good. On XX/XX/XXXX my partner who shares the account with me told me that she received a letter saying that the account is going to be closed, so we called the bank and they told us to go there and speak to a representative, but yesterday XX/XX/XXXX we went and when we arrived they told us that the accounts were canceled and that a note appeared in our account that said : do not open a new account, because the bank does not want a relationship with us, we were shocked, because we are very good customers, so they returned us our money in checks, we feel super discriminated, because I am XXXX, we are both two XXXX women, we have our jobs, we have bought houses because we are good clients of this bank and we did not expect that treatment from Citi Bank in these such difficult times of the coronavirus.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Consumer complaint received 2019-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KS)

My mother received a rude and threatening phone call on XX/XX/19 @ approximately XXXX XXXX regarding contacting me about my loan. A friend received a call at approximately XXXX XXXX on XX/XX/19 for the same. Neither have anything to do with my loan, have no information regarding my loan and know anything about my loan. I have also been receiving up to 5-10 phone calls per day from various area codes around the United States and with Navient 's caller id both, leaving both robocall and live person messages. I have attempted to lower my payments and requested multiple times deferments and have been denied. I can not pay {$1600.00} a month. That's almost my entire monthly take home pay. Navient refuses to work with me and are now harassing my friends and family to get the debt paid.
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (CA)

XXXX - Sent company a letter about them reporting negative debt on my credit reports, and told them that the debt did not believe to me. Sent them a copy of my Driver License with my signature. XXXX - Company responded with paperwork of a signature that was not mines. XXXX - sent company a second letter with a copy again of my drivers license and they told me i needed to file a complaint with the police department before they could remove the debt off my credit report. They did not provide me a copy of my driver license all they provided was a signed contract in which does not have my signature on it.
Consumer complaint received 2019-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

My Navient account record states that my private student loans were sold three times in the past seven years : on XX/XX/XXXX for {$15000.00}, on XX/XX/XXXX for {$16000.00}, and again on XX/XX/XXXX for {$11000.00}. 

I was never notified about these sales and I do not believe that Navient has legitimate ownership of them, yet Navient continues to send threatening letters to me and make harassing calls to my phone number, saying they intend to escalate collection efforts and initiate litigation. I am XXXX with XXXX XXXX XXXX and have {$0.00} income and no assets, and I have informed Navient of this situation, yet they continue to harass me daily for collection of these loans which are not owned by them.
Consumer complaint received 2019-11-01
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: Fidelity National Information Services, Inc. (FNIS) (SC)

I have been a victim of identity theft and I became aware of this back in 2009 when my wife passed away. I have been to the police and I have gotten identity theft reports created by the FTC. None of these are signed they are electronically signed. They have been accepted by every entity including federal court and state courts and yet one entity is claiming that I need to get these things manually signed. XXXX, Is the entity claiming I need to get it manually signed yet the law does not state that or want that or require that. I have said they are breaking the law and they refuse to talk to me further because they hang up. They are not obeying the law they are trying to rewrite the laws and only Congress can do that.

I am including a copy of my original report and the one that I had certified and notarized to show what they made me go through and the law does not require that. That wasted time and money because they think they can re write the laws of Congress with their own policies because they want it.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I purchased an item through a seller and paid {$1000.00} in two separate transactions of {$500.00}. I sent the money through XXXX and the person disappeared and never sent my product. I tried to cancel the payment with XXXX and also filed a claim with WellsFargo. I am a XXXX so losing $ XXXX in a scam is very hurtful. Even more hurtful is how unwilling my bank is to help in this situation.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-29
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: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX XXXX XXXX  texas opened an american express card under my business ein XXXX. I contacted the fraud department and they wont do anything. This will affect my business credit profile. my email is XXXX XXXX