davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 DEPT OF ED XX/XX/2022
Consumer complaint received 2022-01-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hello, My name is XXXX XXXX. On XXXX XXXX 2021 I sent out letters to XXXX, eqifax, and XXXX  to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : 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 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2022-01-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

experian does not update the fact that I payed of my car loan in full and keeps a outstanding loan on their records of over XXXX $ the car loan in dispute is payed off over 2 month ago. Over one year earlier than the loan was agreed on. the finance company is XXXX and I got the title mailed to me.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Apelles, LLC (NM)

The company, self identified as " XXXX XXXX '', has called and left messages in my voicemail for the following dates ( including several more ) : XX/XX/2018 at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours. The company continuously calls requesting to fix a debt owed to them by an unknown person. I have not ever conducted business with this company and they fail to acknowledge that. They may be looking to contact someone who gave them a wrong phone number. Please fix this.
Consumer complaint received 2022-01-19
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)

Disputed this fraud case twice with Experian and it did not remove the fraudulent credit card bill that was not mines. XXXX XXXX removed it and so did XXXX. 
Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$620.00} Credit limit {$65000.00} Highest balance {$64000.00} Terms XXXX
Consumer complaint received 2021-03-05
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: Credit Plus Inc (LA)

The is a credit inquiry on my XXXX  report for " Credit Plus '' dated XX/XX/2020. There is no contact information to contact the creditor to inquire about this inquiry. I have disputed this inquiry with XXXX and they stated that the inquiry is valid. However, I have not authorized this creditor to pull my credit.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

Bank auto charged XXXX dollars from my debit card to my credit card even without sufficient funds causing an overdraft fee. I didnt notice this till about a month or two later causing XXXX  balance of XXXX dollars
Consumer complaint received 2020-09-17
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. (CA)

I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments.  Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Consumer complaint received 2020-12-12
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. (OR)

I recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XX/XX/XXXX for an account that has been paid and closed since XX/XX/XXXX.It was a manufactured home that i paid off and sold in XX/XX/XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XX/XX/XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.
Consumer complaint received 2020-01-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I filled a complaint with you all and Equifax, about not being able for companies to pull my Equifax Credit file. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. It needed to be compressed and they told the companies my file credit file is too large. 

Here is Equifax response : COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. 

In my original complaint I said nothing about INACCURATE or INACCURACIES on my credit report. I SAID FOR THEM TO FIX MY EQUIFAX REPORT WHERE I AND COMPANIES CAN BE ABLE TO PULL IT WHICH MEANS COMPRESSING THE FILE!! I AM NOT SATISFIED WITH THEIR PAST LYING RESPONSE AND IF ANYONE CAN READ YOU CAN SEE WHAT I ASKED FOR. I ASKED FOR THEM TO FIX MY CREDIT REPORT WHICH MEANS COMPRESSING IT BECAUSE THEY TOLD THE COMPANY THE MESSAGE THEY WHERE GETTING MEANS MY FILE IS TOO LARGE AND NEEDS TO BE COMPRESSED SMALLER!!!! STOP WITH THE STALL TASTICS? PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH AND I HAVE CALLED THEM OVER 20 TIMES ABOUT THIS, AND THEY LEAVE ME ON THE PHONE AND HAVE NO EARTHLY IDEA OF WHAT I NEED DONE!!! I'M TIRED AND WANT TO PULL MY CREDIT REPORT!! EQUIFAX IS A JOKE AND NO ONE UNDERSTANDS MY PURE ENGLISH TALKING AND IT IS VERY FRUSTRATING!! PLEASE HELP ME GET THIS RESOLVED!!
Consumer complaint received 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I set up automatic payments, they stopped them. 
I saved my bank information, they removed it after being saved for months. 
I try to manually pay, nothing goes through. 
I try to update anything on their site, their site won't let me ( constantly errors out ). 
I emailed and called, no help. 
I can watch my interest accumulate, so there is that.
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased a XXXX XXXX XXXX. In XX/XX/XXXX, I was hit from behind and my truck was totaled. I have GAP insurance. XXXX paid the claim and XXXX has been coming after me for the balance even though I have GAP insurance. They call several times per day to harass me. After being called treated like a liar and thief, I got the GAP insurance on the phone with XXXX XXXX  and supposedly everything was resolved. XXXX XXXX was to send the requested information GAP was requesting and they would be able to pay the claim. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. NO WAY!!!! How is it possible that GAP did not fill the gap? I believe that XXXX XXXX  purposely did not provide GAP Insurance with the requested information, so that they could continue to add interest and thus charge me. By the way, I paid GAP through my finance with XXXX and when it was time to collect, they ( XXXX ) quickly claimed it was a third party and had nothing to do with the company. REALLY??? Anything to XXXX people.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2020-01-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

I called in to the servicer. I told them took out the parent plus loan for my son to attend XXXX XXXX. I went to tell them I have spent my entire working career working with non-profits or as a civil servant and that I recently lost my job because I became Ill with XXXX and hadnt enough time off to cover my absences. I was told great news and that the loan would be forgiven and was wiped out. We spoke for a little while longer and I believed that I no longer owed this debt. Unfortunately before we said goodbye my phone had lost it charge and disconnected the call. It was end of business, I was multitasking and I believed we were complete with all the things that needed to be done, so I didnt call back. A few months later I began receiving billing from the new servicer. I contacted them once and wasnt happy with the tone of the representative, so I ended the call. Im upset that I believed this debt was complete and now I am in an even worse financial position and Im unsure of my options. If there is anything I am able to or have a possible method to get this to closure I would appreciate the information. I understand if theres nothing. However, my hope is for some kind of resolution to ensure fair and honest business practice. 

Thank you for your time. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo any purpose
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (GA)

On XX/XX/2022, I consumer XXXX XXXX, sent CONNS XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. In that letter, I also demanded an audit trail of this account as well as a debt validation letter to exercise my rights as a consumer to validate this alleged debt.
Consumer complaint received 2018-05-29
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. (MA)

Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (WA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Made an unauthorized inquiry into my credit report from Experian on XX/XX/2020.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I paid off the loan of capital one auto on the date of XX/XX/2022 during business hours. On XXXX and XXXX report, it shows late payment for XX/XX/2022. I tried to reach out to the company to resolve the issue but they will not remove the inaccurate information. I have records to show I paid on XX/XX/2022. This need to be updated immediately.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC. (CA)

This company is called XXXX XXXX or Ally Financial and they keep calling my number 6 times a day at least asking for someone I have never heard of. This is a new number and I imagine this was the previous owner of the number. I called them back to report this and they asked my name and said they would take my number off and for me to hold the line. I held the line for over a half-hour and they never came back to the line and continue to harass and call my number.