davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under Portfolio Recovery and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2020-03-26
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. (FL)

SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In sight of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears Equifax intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made a call today XX/XX/2022 as another attempt to have these errors corrected on my consumer report, but I was hung up on multiple times. 15 USC 168li ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. Equifax has failed to provide a 100 % accurate investigation for the accounts that are on my account. None of the accounts on my Equifax profile can prove I owe a debt. Equifax couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Equifax consumer report. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # 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. Code 6821 Congress made it clear that EQUIFAX assumed the role of a financial institution through association.

Equifax never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Equifax to furnish or create any report. I never consented to any account on my report in the first place.

Equifax has also failed to remove addresses and phone numbers that do not belong to me after Ive asked them to delete them.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MO)

Got a call from a collector saying I owed money to Best Buy from XX/XX/2017. Yes I bought a tv and yes I paid it on a Best Buy credit card and yes I have all my on line receipts and yes its been paid off along time ago. Im thinking they got information from the breach that took place between XXXX through XXXX. Its not enough they called me but also my ex-husband with this debit.
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

My loans were transferred from XXXX XXXX to MOHELA on XX/XX/2022. Firstly, based upon information on the transfer page of their website, my account information should have been accurate as of XX/XX/2022 ( see attached document entitled " Servicer Transfer Status XXXX '' ). Secondly, based upon information previously viewable on my account page, my account information should have been accurate by no later than XX/XX/2022. Thirdly, based upon the explanation of the timeline of transfer, my account information should be visible ( see attached document " Welcome - Transfer to MOHELA '' ). Unfortunately, as of XX/XX/2022, my account information is currently inaccurate, showing good standing but a balance of {$0.00} ( see attached document " Mohela Account Home XXXX '' ). As I have not completely paid off my loans, my balance should not reflect {$0.00} and this information is incorrect. As a result, I attempted to call MOHELA on XX/XX/2022 about this discrepancy but the automated system informed me that they had no information about my account. Similarly, I can view no detailed information in my online account ( see attached document " Loan Detail Information MOHELA XXXX '' ). I do not understand why I am still unable to view accurate account information after being informed that my account should be up to date as of yesterday.
Consumer complaint received 2020-05-07
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NY)

XXXX  XXXX XXXX sent me US {$2900.00} via Western Union on or about XX/XX/2023. 

I have been trying to get the money but every single time I try to receive my money, Western Union refuses to give me my money.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc (IL)

XX/XX/2021 I got an email from a senior escrow officer from Chicago Title and Loan at XXXX and 2 days before I closed on a Chicago condo and 10 minutes after my attorney emailed me to tell me I would need to wire money to the escrow office at Chicago Title. 2.5 hours after I received the first escrow officers email a second email officer emailed me. I didn't get these emails until XXXX because I was busy at work. Seeing two escrow officers I thought it was weird. Then I took a recommended class of fraud that the 2nd officer had sent. This warned about fraud. I became more suspicious and investigate the 1st escrow officer email thoroughly. Though it was from a person that worked at Chicago Title and Loan, the email they were asking me to respond to was " XXXX ''. The misspelling made me realize it was probably a fraud. This was later confirmed during the signing of my closing paperwork ( XX/XX/2021 )
Consumer complaint received 2024-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I requested a refund check for payments made during the XXXX forbearance period back in the summer of XXXX. The amount was {$6200.00}, and {$1100.00} but I only received a check for {$1100.00} on XX/XX/XXXX. I call my loan company ( Nelnet ) monthly regarding this, they noted the check was originally issued XX/XX/XXXX but was never received or cashed. We ( myself and Nelnet ) requested a stop payment and reissue for the check XX/XX/XXXX. I have called Nelnet numerous times over the past 2 years regarding this check. On XX/XX/XXXX I filed a complaint with FSA regarding this matter. As of XX/XX/XXXX Nelnet stated someone cashed the check, Nelnet did not contact me, I had called them. This check was fraudulently cashed and I requested a fraud packet with Nelnet on XX/XX/XXXX. I got a notice that Nelnet was closing my complaint with FSA on XX/XX/XXXX, stating FSA would not send a fraud packet as it was past the 12 month mark. I filed a local police report, however I still do not have the evidence requested regarding the fraudulently cashes check. I do not know, when, where or who cashed this check. 
As of XXXX this balance was added to my student loan. I now owed an extra {$6200.00} on my student loan, that I am being requested to repay back with interest.
Consumer complaint received 2021-07-16
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: AMERICAN EXPRESS COMPANY (NJ)

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXA/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Dear Sir/Madam : Urgent please. We have an ongoing short sale on our property, but morgage servicer has a Trustee Sale put in place on Friday, XXXX/XXXX/15 TS # XXXX, XXXX. This was an issue of Dual Tracking because we have BSI ( XXXX lienholder ) email communication of minimum acceptable price of $ 750K and XXXX XXXX ( XXXX lienholder ) approval, plus buyer 's ratified purchase offer of $ 780K contract with proof of financing. I have attached all documentations. Hoping for your kind and prompt assistance to this matter so we can save our home. Thank you very much.
Consumer complaint received 2020-05-07
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)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Bloomingdales signed me up for their American Express card without my consent. When I called to tell them I had never signed up for the card ( assuming it was fraud ) they informed me that they had sent me a letter informing me that I would need to opt out of being signed up and that since I hadnt replied they took it as positive confirmation I wanted the card. I never received that letter ( or maybe it just looked like junk mail ) but regardless how is it possible that I would need to opt out of signing up for a credit card? Sounds like they have ex-XXXX XXXX employees running things over there.
Consumer complaint received 2022-04-05
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC (MD)

For the last two years, I have been receiving phone calls from the following number ( XXXX ) XXXX ; the caller identified himself as a debt collector calling from Compass Recovery Group. They have NEVER send me any letter or document explaining to me the debt that they claim I owe. My understanding that Federal Law requires them to send me a letter within five days of their first contact that contains their name, physical address, creditor 's name and the amount of the alleged debt! 

Recently, they started using unlawful and illegal tactics. On XX/XX/XXXX, my sister received a call at XXXX XXXX from them. They told her that they need to reach me for a legal matter and that I am being sued ( attached please see snapshot from my sister 's phone and a record of the call on her mobile 's usage information ).
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 — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

Hello, on XX/XX/2020 I contacted Comenity Bank to find out why my Victoria Secrets account has not been updated based on my XXXX report, which shows the last update was done on XX/XX/2020. After speaking a Customer Service Rep, I ask to speak with a Supervisor, the next voice I heard was from XXXX, Supervisor. 

I told XXXX of the issue I was having with Comenity Bank, I also asked what information does it show in my account as far as the last date reporting to the Credit Bureau. XXXX informed me of the same XX/XX/XXXX date, and in order for this issue to be resolved, I had to send a request for someone to look into this situation from a different department and that could take up to 5 business days. 

I'm a little confused, XXXX confirmed the information in my account should have been updated at least by now, however, I still need to send a request to have this looked into. I told XXXX this is a waste of my time and that Comenity Bank dropped the ball in sending over accurate information to all 3 Credit Bureau in a timely manner.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for Experian. Please update payment status or remove off credit report
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Recently, I applied and received the Capital One Platinum credit card with no annual fee. However, on my 1st statement, Capital One charged me a {$19.00} membership fee. The Platinum card agreement details and even Capital One 's own web site clearly state this card has " No Annual Fee. ''
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

When I opened a CapitalOne credit card by phone, the sales person committed fraud by not disclosing that the card had a $ XXXX/mo annual " membership '' fee Until now, CapitalOne had been waiving this to make up for that, but now I 'm being treated rudely and I 'll need to close the account because they will no longer waive the fee they never freaking disclosed. 

It will hurt my credit score to close the account and I can not afford to, but I 'm not going to be hustled for $ XXXX/year either.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have multiple addresses reporting to my consumer report, that do not belong to me. I believe this is attributing to the negative items on my report, that are troubling my experience while trying to purchase a home. They need to be removed immediately. 


XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-02-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have two problematic issues with my credit there are 2 inaccurate things on my credit.

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account.

2. Portfolio Recovery shows on XXXX  & XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (SC)

This company, its subsidiaries and or counterparts but not limited to, has attempted to collect on an unverified alleged debt not owed. This company, its subsidiaries and or counterparts but not limited to, has made harassing calls and or written communications but not limited to. This company, its subsidiaries and or counterparts but not limited to, then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO, REFUSED SERVICE FOR A COMPLAINT.This company, its subsidiaries and or counterparts but not limited to, willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company, its subsidiaries and or counterparts but not limited to, failed to follow FCRA 609 as demanded 43 times by way of certified mail.NO CONTRACTS WITH SIGNATURE HAVE EVER BEEN PRODUCED.ALLEGED CONSUMER KNOWS OF NOTHING THAT SUPPORTS THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS THAT ALLEGED CONSUMER OWES THEM ANY MONEY. THEREFORE THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO IS TO REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY BY THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO.