davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
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. (NJ)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - XXXX
Consumer complaint received 2022-09-14
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)

XXXX and equifax are reporting an account with XXXX XXXX on my credit report. I have disputed this with each of the companies over and over over 3 years now, sent in all my proof of identification documents required and requested for this false account to be removed dozens of times. This is not my acct. I have no acct # that matches this. Ive requested numerous times for valid verification any docs, contracts with my signature on it etc.and received NOTHING! They havent provided any valid verification proving this is my individual account Equifax just told me they do not have documents they go by the word of XXXX XXXX. 
Both equifax and XXXX  reports am ex as a charge off w/a balance monthly. This is in direct violation of my FCRA rights and I want it removed. It has stopped me from being able to purchase a house And get credit
Consumer complaint received 2022-03-29
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. (DE)

I was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX  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. (PA)

Based on, 15 U.S. Code 1681cXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (CA)

About two months ago received an e mail Mariner Finance that I had opened an account with them. This e mail was ignored thinking this is just another scam. On XX/XX/2019 received another e mail stating the payment is now past due. There is no account number or amount provided only four different ways to pay. I decided to call and let them know they have the wrong person and that I have never done business with them and have never been near the address in Georgia provided. The number called was XXXX and I talked to a XXXX XXXX. She told me the amount was {$1600.00} that was given to somebody via USPS where they apparently only needed to sign the check to open this account. She confirmed the last four digits of the SSN were not mine and would check into the matter and call me back. There complete address for this office is Mariner Finance XXXX XXXX XXXX XXXX, XXXX, GA. 
I contacted the State of California Bureau of Security and Investigation that sent me a letter stating I need to call the  Federal Consumer Financial Protection Bureau XXXX which I did and they directed me to this site to report the crime. I called Mariner back today and was given a customer support number XXXX that told me go tell the police because someone has committed fraud against me so I told them Mariner is the one attempting fraud. At that point they essentially told me the go to XXXX and hung up. It is very clear Mariner is running a criminal operation and given my age appears to be targeting the seniors. Please stop them before they do any more damage.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

Received a bill  from Credit Control Cooperation ( Fo rmally known as   XXXX   XXXX   XXXX   ) on or about  XXXX   XXXX   XXXX  for the amount of {$130.00}. Called company and they said I had a bill I had not paid. I disputed that and said I had my records to prove that I had paid all the bills from the   XXXX   XXXX   of  XXXX   (  XXXX  )  from last year  XXXX . They told me that I did not owe anything and could n't understand why I had been billed. Transferred to another dept they said they would investigate. Called back the next day and said I owed a bill from  XXXX . I called them back and asked if I owed a bill from that time why did anybody bill me repeatedly or call. They said I must have moved thats why I did not get a bill. Wrong, have been at same address for 18 years. Oh I must have a different telephone number. Wrong have had the same number for 18 years. Then they said if I did not pay they would put this information on my credit report in  XXXX . Have tried to get in touch with   XXXX   but they have not returned any calls. If I had owed from that time why did I never get a bill. Also I had an account with  XXXX  last year, there was some accounting errors last year but the  XXXX  said it was because of moving billing companies. I was told that I had paid all by bills. If I had an outstanding bill form  XXXX  would n't I have known about it and wouldent they have billed me again last year. Additionally, I believe that the statue of limitations has passed for the supposed debt. Why are they doing this?
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/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
Consumer complaint received 2018-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (PA)

The last few months I have gotten calls from this number XXXX, Viking Client Services, saying they are a debt collector and to call this number XXXX. The last one was XX/XX/2018 at XXXX XXXX. I have ignored answering these calls and let them go to voicemail.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

They blocked my dispute I complained and they said to bad not doing anything I attached my proof they requested new lease, transfer order of electricity and cable I sent it the responded they will not use this information to investigate but it was information Experian requested specifically. They blocked me from the XXXX mail my online account and phone calls I cont have any contact with the company after complaining
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Audit & Adjustment Co. Inc. (WA)

This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NV)

I was told by lonedepot XXXX XXXX Licensed Lending Officer NMLS # : XXXX, the total closing cost is around {$3000.00}. After they put different things including that I purchased points and origination fee of 2.8 %, which is to inflate the closing cost .it is outrageous to trick your customers in such manner, and make them sign documents. And they also did the same thing to my other friend who I referred. 
And I believe it deceptive and illegal to, charger my credit card for more than {$500.00}, run credit history, and to access my information by giving me a misleading information. 
Because of this my credit run has been affected. I want them to fix that. 

They recorded they conversation we had. That will proff what they do their customers!!
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions (AL)

Received a phone call from Holloway Credit Solutions on XX/XX/2020. Returned their call to inquire why they were contacting me. First representative requested personal information to identify me and then told me I would receive a letter in the mail, she would not provide me with any information about the account that was sent to them to collect. She then hung up on me. 
I attempted to call 2 more times and was hung up on those times as well. 
My third attempt, I did speak with a representative that advised me of company that sent my account to them for collection. This account is for a medical facility ( XXXX XXXX XXXX ) that I am paying consistent monthly payments to and should have never been sent to a collection agency. I informed the representative of this and he said I need to make a payment over the phone with him immediately. He stated that they were reporting this collection to the credit reporting agencies and it would affect my credit. He also stated that the company ( XXXX ) was a member of the XXXX XXXX XXXX ( they are not ). One of the representatives wanted to know who I was employed with and other information that was not relevant either. I did tell them not to contact my place of employment. 
This account should have never been sent to them by the health care provider. 
Business practices from XXXX are unacceptable, unfounded, unethical, misleading and they should not be allowed to harass consumers.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (CA)

On Monday XX/XX/XXXX, a second pass of dispute letters were sent out to all 3 credit bureaus to dispute an account. The account is ALLYFINANC. Has been reporting for some time now and needs to be removed.
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I took out a Parent Plus loan for my XXXX girls to go to college when I was going through a divorce. The original loan was XXXX and now is XXXX. I have tried the forbearance and have asked to receive the income-based application several times in which I never received I can not afford this loan I am single and an XXXX XXXX I barely survive on my own. When it was XXXX XXXX I was able to pay $ XXXX monthly and could do this. Now my payment is over {$300.00} and the interest and loan just keeps getting higher. I am at a loss with this. Navient has not delivered this income based application and I have asked several times. Not to mentioned the multiple emails and calls I receive for non-payment which I can not pay. This original loan has almost doubled. HELP!!
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Applied for an XXXX XXXX XXXX credit card ... ..was turned down! My credit has always been excellent! When I received my letter in the mail the reason why was based on the applicant was deceased! Im alive and well ... .not sure where to go to clear this up! Thank you
Consumer complaint received 2021-09-14
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. (FL)

on XX/XX/2015 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX addresses are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2020-07-21
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. (NJ)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from XXXX on XX/XX/2022, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further. 

Additionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information. 

I kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review. 

Please let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. I look forward to resolving these issues with your support.
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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. (OH)

Subject : Refusal to Investigate Erroneous Experian refuses to remove erroneous information from my credit file. Experian states XXXX XXXX verified the public record and the information remains unchanged. XX/XX/2020, I received record from XXXX XXXX that the public record information ( identified in my Experian credit file ) is not reporting with XXXX XXXX. I have also contacted the US BKPT CT VA XXXX and received documentation that states their court does not report or furnish information to credit bureaus. Experian is reporting an erroneous public record in my credit file ( see page 40 in my Experian credit file ). The bankruptcy is not mine, does not belong to me. The public record reports an alias XXXX XXXX and an address of XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, VA XXXX where I have never lived ( see pacer document which includes case number in my Experian credit file ). Experian 's unwillingness to adhere to the FCRA is unlawful and I would like to get this matter resolved in a timely manner to avoid a potential lawsuit. Additionally, Experian removed my phone number from my personal statement without my permission. If credit is extended without my permission, creditors will have no way to call me to verify my identity.
Consumer complaint received 2022-08-05
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.