davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (UT)

I have disputed this account with Source Receivables, XXXX, XXXX, and XXXX 3 times. This account is not mine and I requested debt validation. The credit bureaus keep saying " verified '' while the company never responded to me or sent proof of the debt. This is still reporting on my credit illegally and should be removed.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (OH)

I have 2 separate incidents. Both involving Experian. 1st incident I applied for a credit card and was denied. On the denial form the credit card company stated that they used my Experian credit score to make their decision, and the credit score they were provided by Experian was an inaccurate experian credit score. The score they provided was a XXXX and listed as my Experian credit score, which was actually a XXXX, so they reported a inaccurate credit score XXXX less than my true experian credit score. They provided a lower inaccurate credit score and that lower score caused me to be denied credit from capital one.Then the 2nd incident I applied for a auto refinance and was denied. The reason for denial was that they said I had a credit freeze, which is not true. So now I'm stuck with 2 hard inquiries. Also on the auto refinance the website states there wouldn't be a hard inquiry since they just needed basic info to connect me to a lender, yet they did a hard inquiry anyways. I would've never submitted my info if I knew they would do a hard inquiry. On my credit report that inquiry that i did not approve is listed as XXXX. The other incident is listed as XXXX XXXX on my credit report. I contacted experian and told them the information they provided to XXXX  XXXX was inaccurate which resulted in me being denied credit.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I opened a credit card with Best Buy years ago and had used it only for large purchases. Over the years the balance never paid down despite making timely monthly payments and going long periods with no use. When I went to investigate the bill I found I had been paying for a service that I did not want and for which I don't recall signing up. This had been a recurring charge that was about {$23.00} a month. Over the years this amounts to thousands of dollars that they got from me through this predatory scam of " debt protection '' all while I'm being charged interest on these charges as well. I called the company to dispute this service and to request a refund of the money they had taken from me. I was told that they would investigate my complaint and get back to me. I have no reason to believe that they will investigate themselves while advocating for me, the consumer, in this scenario. I feel I have been taken advantage of.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Contacted Experian on XX/XX/XXXX, and also XX/XX/XXXX. Both times provided documentation of student loan forgiveness and paid-off Student loan debt. Each time, I received notification that the investigation was complete and the disputed information was found to be accurate. Requested investigation results, have not received anything. Repeatedly called Experian, but phone system will not connect me to a representative. Provided pdf copies of the letter received from the US Dept of Education and screenshoots of XXXX online showing the debt was satisfied. To date, this inaccurate information has not been updated. This information has had a extremely negative impact on my ability to obtain other lines of credit.
Consumer complaint received 2021-04-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I refinanced my car loan with Capital One Auto Finance last year. During that time they failed to transfer the lien from the title in their name from the previous lender. I have since paid off the loan in full and received a lien release from Capital One, but when I tried to apply for a clean title I was denied because Capital One has failed to move the lien in their name and the DMV still lists XXXX XXXX XXXX XXXX as the lien holder. I since have been trying to work with Capital One, but they have been giving me the run around, and I have been calling several times a week for about a month now trying to resolve the issue.
Consumer complaint received 2022-09-12
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. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Consumer complaint received 2020-04-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On XX/XX/2018, someone tried or did opened an account with On-Site Manager in my name. The reporting agency was Equifax and XXXX XXXX ID is XXXX. 
I was transferred multiple times at the company without anyone able to assist me.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My pii was taking bank account was open with out me know or coming into the branch I havent had a bank account for five years or more my taxes was being transfer into that bank that I never know of and a police report have been made on usaa my phone have been publish email taking over as well by XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services (IA)

On XX/XX/2021 I sent a letter to AAMS LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have a voluntarily dismissed bankruptcy that I have repeatedly disputed with all 3 credit bureaus. The bankruptcy was filed in error and immediately and voluntarily dismissed. I have listed the inaccuracies below.

1. All 3 credit bureaus are displaying different case numbers.

2. All 3 credit bureaus are displaying the incorrect case numbers.

3. This has caused me to be declined for multiple credit applications with the most common reason given being '' multiple bankruptcies ''.

4. Two of the bureaus are reflecting a payment date which contradicts my explanation that the bankruptcy was filed in error and immediately dismissed without any payments or hearings. No payment was ever made and no hearings were attended. 

It is my right to request inaccurate information be deleted from my account. These inaccuracies have harmed me and are a blatant violation of the Fair Credit Reporting Act. I have attached my pacer report and the public records pages from the 3 bureaus.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

The debt collecting company ( Commonwealth Financial Systems , Inc ) is wanting over {$2000.00} for medical bills for dates XX/XX/XXXX and XX/XX/XXXX for a hospital visit that I didn't even go to! I've tried calling but no one answers, I sent a letter telling them that they have the wrong person and nothing. I've looked at reviews for this company and several people say that they've gotten the wrong person. My credit now shows that I'm in collections for over {$2000.00}, I've been working really hard at getting my credit good and I have paid off everything that I know I owed and I know I do not owe any medical bills for these people.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: AMERICAN PACIFIC MORTGAGE (WA)

my name is XXXX XXXX and my mothers name is XXXX XXXX. And XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX and XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX. At that moment we paid a credit check amount to have her overlook our credit at that moment we got preapproved for a {$270000.00} loan we found a house that we loved started the process got to the under writing portion part of the homeowners process we were set to close on XXXX XXXX of XXXX. XXXX called on XXXX XXXX stating that she ran XXXX XXXX 's credit and somehow her credit score went down XXXX points. According to XXXX XXXX 's records the statements that XXXX indicated about past due accounts on student loans is false XXXX XXXX has paperwork from the department of education stating nothing is past due. XXXX did n't say at that point we are not able to get the to the home. when XXXX XXXX spoke with her XXXX said " XXXX up the ball I did not look over paperwork correctly and I am truly sorry.
Consumer complaint received 2017-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have a large sum consolidated student loan that I took out as a student of the XXXX XXXX XXXX XXXX and is serviced by Navient. I have paid this loan monthly and on time for almost ten years. I changed banks in XX/XX/XXXX and have been trying to update my autopay information with Navient, and they repeatedly deny my application for no apparent reason. My bank does not know why this is happening either and i do n't believe it is a problem on their end. Since i 'm not in autopay, Navient increased my interest rate and did not communicated this with me at all in the last few months - i had to keep looking at my online account info to find anything out. in addition to this, If i try to pay online through Navient monthly bill pay, they also refuse to accept my bank account information, so I have made payments through my bank 's bill payer option. The last time i did this - on XX/XX/XXXX - due to poor/unclear information on Navient 's website, I sent my  payment to the wrong address! when i did n't see the balance go down on my Student Loan account, I called Navient and it took them a while to figure out that a different Navient division ( the XXXX XXXX XXXX ) had my money and were in the 30 day process of sending it back to me! this has become a fiasco that i can get no one to help me with on Navient 's end. the last time I spoke to them - on Wednesday, XX/XX/XXXX, they tried to get me to apply for a forbearance until I got my payment back from the Navient/XXXX XXXX XXXX so they could process my autopay application ( mind you, the 4th time I 've tried to process autopay through Navient ) I feel like what they are doing is trying to drive up my interest rate and charge me late fees in order to get more money out of me! I refused the forbearance ( i do n't want a forbearance! I am not having financial hardship! I JUST WANT TO PAY THE LOAN! ) and they again denied my autopay application, this time their reason was that i have an unpaid balance! I even made an additional payment to the correct address that i was given over the phone - and that is not showing up in my account balance either! It went out of my account with the name Navient listed as the payee, but it does not show up on Navient 's end. As a borrower with a previously PERFECT payment record, there is no reason that they should not be accepting my autopay application and retroactively adjusting my interest rate while also giving me excellent customer service! but all i am getting are daily calls call from an overseas call center, telling me that my account is past due! I wish i could change companies, but i feel trapped and preyed upon and totally helpless and at their mercy. I 'm not sure what to do next and i do n't know who to go to for help! I am going to have to spend another hour + on the phone with them, which is a waste of my time as a working mother. I 'm so angry it is hard for me to not shout when i call them. what do I do?
Consumer complaint received 2020-08-28
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXXXXXX US DEPT ED XXXX {$5700.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXX   XXXX  XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX  XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX  XXXX {$340.00}
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

When applying for a home loan I discovered an unknown collection account from XXXX XXXX XXXX. They are supposedly collecting on behalf of XXXX XXXX. Since I had no knowledge of this debt nor ever had an account from XXXX XXXX I immediately disputed the debt with the three credit bureaus on XX/XX/XXXX. The dispute came back VERIFIED. I then contacted XXXX XXXX XXXX directly which is really another company called Resurgent. They were able to provide some limited information, none of which was accurate. The service was supposedly for a landline telephone but they couldnt even verify the service address. They made me update my contact information because they didnt even have a valid address or telephone number to contact me. I then contacted the original vendor, XXXX XXXX, who had no information on the account. I dont know how they can VERIFY the debt when they dont have proper information on file and the original creditors information doesnt even match mine. They said I could request a debt validation but they discouraged it as it would take 60 days. The law states 30 days so they were trying to get me to settle for debt I dont owe verses verify its legitimacy. To top that off the date of last delinquency showing my credit report is XX/XX/XXXX when they themselves state the correct date is XX/XX/XXXX. They told me they have no ability to correct it. According to my mortgage company something from XX/XX/XXXX hurts me much less tan something from XX/XX/XXXX. My last communication with XXXX XXXX was with XXXX on XX/XX/XXXX. I would like these unfair and inaccurate collection processes to cease and for the reported item to be immediately removed from my credit report. I have attached a copy of the current credit report highlighting my notes and the date of last delinquency that is reporting.