davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
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: Professional Medical Management, Inc. (NJ)

There are 2 fraudulent Collections on My Credit Report that are still reporting. They are XXXX XXXX, and Financia Recoveries. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.
Consumer complaint received 2023-04-06
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. (FL)

This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines
Consumer complaint received 2021-09-12
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)

I filed a police report and talked to several high level managers within this company and was told that this should not be showing on my credit report as it isn't my account and was told even if it was they don't report to the bureaus as it was a prepaid card fraudulently opened in my name. When Experian reached out to them ; someone from their company lied and this information remained. Experian and XXXX keep shifting the blame between each other. This negative information has severely lowered my credit score.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

I am writing to express my deep concern and frustration regarding the presence of an account on my credit report, which I have been unable to verify. The account in question XXXX XXXXXXXX has been causing me significant stress and XXXX as I have repeatedly disputed its validity to no avail. Despite my efforts to resolve this matter, the account continues to appear on my credit report, casting doubt on my financial credibility and jeopardizing my future financial prospects, including my ability to secure housing. I demand that this account be thoroughly reinvestigated and promptly removed from my credit report. I refuse to accept its presence without clear evidence that I am responsible for it. As such, I am formally requesting proof of my initiation of this account, including any signed agreements or relevant documents. If such evidence can not be provided, I insist that the account be deleted from my report immediately.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XX/XX/2023 XXXX AU XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 SENSIBLE AUTO LENDING LL XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2020-12-02
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. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

Housing Scam on XXXX using Rently lockbox code. 

" XXXX XXXX '' person was able to allow us access into a home he claimed as his own verbally and via text msg. He gained access using a Rently lockbox code. He claims to be the owner and Intends to " meet '' us Sunday XX/XX/2021 at XXXX with keys, confirmed with XXXX XXXX they are the owner so I have no intention of meeting this online scammer. I did not send the additional {$500.00}, however I did lose {$2200.00} via XXXX transaction. 

He told us to pay a deposit of {$1000.00} to secure the home as a rental for 1 year, this person also took another {$1200.00} for " 1st months rent. '' and planned on using a locksmith to remove lock box and change all the locks on the property asking for an additional {$500.00}. 

sent to : XXXX The property he claimed ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Locksmith '' XXXX  XXXX I contacted my bank Chase, they denied my claim immediately and did want further information on my scammer who is still out there.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (ME)

This morning on XX/XX/2020 I received an update on my credit report of a new derogatory remark from a company Jefferson Capital Systems LLC whom I have never heard of. They had opened an account on XX/XX/XXXX without my knowledge stating they had bought debt from XXXX XXXX in my name to the tune of {$100.00}. I have never been contacted via mail, phone, or email by Jefferson Capital Systems LLC to make me aware that I in fact owed them any amount of money. Instead they put my account in to collections putting a negative remark on my credit report, and driving down my credit score. 

If I am correct, this goes against the Fair Debt Collection practices act subsection 808, as well as subsection 809 showing that they have to make contact with me about debt owed to them. I have contacted Jefferson Capital Systems LLC today XX/XX/2020 to speak to them about why my account with them is in collections on my credit report. They repeatedly said that what they did is within their company guidelines, and completely ignored what I had to say when I brought up the Federal Fair Debt Collection Practices Act. 

I don't see any way that shows what they did as being legal, how was I supposed to know I owed Jefferson Capital Systems LLC money if they never contacted me saying so? What they said is that if I pay the debt, the remark will be removed, however I truly believe what they did is technically against the law.
Consumer complaint received 2021-08-20
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)

On my credit file from equifax prior to me filing a complaint XXXX wasn't being reported as the company reporting my bankruptcy. They didn't list there name on my reports until after I filed complaint about inaccurate information. This all happened once I contacted US bankruptcy court here in XXXX Fl who advised me they don't report and court documents to any of the credit bureaus. This is a violation of the Fair Credit Reporting Act with inaccurate and misleading information. Please! Remove this bankruptcy from my credit files. Thanks
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (RI)

They called and said I owed XXXX XXXX {$270.00} for a place I lived at 3 years ago. I called XXXX XXXX. I have no bill in collection for my old or current address.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (NJ)

MoneyLion Inc. has been reporting on my credit file a collection account I have no knowledge of. I have disputed this collection account via XXXX dispute center several times, most recently XX/XX/2020 and XX/XX/2020. My disputes are going ignored and I never receive either the debt verification letter I ask for or a debt validation letter. Instead they continue reporting this account which I never opened and they report different balances after every dispute. For example, they reported a balance of {$290.00} in XXXX, 2020 but later updated it to {$260.00} on XXXX, 2020 and they have been reporting a balance of {$300.00} since XXXX 2020. I do not own this account and this company is avoiding the law continuing to report it to my file without verifying and/or validating this debt. after multiple disputes.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington National Bank is withholding deposits and posting credits to my account first in order to generate fees. I have a screenshot of my account on their website and when I called them they said the dates on their own website were incorrect and the dates they had were different
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I followed a complaint on XX/XX/XXXX with the CFPB and received a follow up on XX/XX/XXXX letter that XXXX will be following up. I never received any follow up from CFPB orXX/XX/XXXX afterwards so I called XXXX and was told my balance was XXXX. Recently I have started getting bills again for the same complaint that I believed was resolved. 

the complaint id is XXXX
Consumer complaint received 2020-12-02
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. (OR)

There was an error on my credit report, which supposedly has been corrected. The matter involves a collection ( {$59.00} ) by XXXX XXXX XXXX for XXXX XXXX. 

I have tried resolving this with Equifax, but to no avail. The error lowered my credit score. The error is said to have been corrected on XX/XX/XXXX and then again on XX/XX/2020. I've checked my revised credit score, and it shows the new, higher score ( as before the error ). However, I'm in the midst of trying to refinance my house and when the financial institution pulls up my credit information, it still shows I owe money, and my score is still low. The last time I talked to Equifax on the XXXX, a supervisor said he would manually correct my score so the banks would see the correct version of my credit information. Didn't happen. I would classify this as fraud on part of Equifax as the consumer - me - sees different, incorrect information than financial institutions. Equifax claims that the error was corrected are false. I can not proceed with my refinancing until this matter is resolved. 

The collection was posted on XX/XX/XXXX and I discovered this posting about a week later. I've been trying to resolve this issue since then.
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (CA)

To Whom it may concern, My name is XXXX XXXX. On XX/XX/XXXX I was informed by your company, XXXX XXXX, employee name XXXX XXXX  and XXXX XXXX, I will be enrolled in the Public Service loan Forgiveness program and my loan will be forgiven after 120 payments. I was told my payments will be based on my income and the number of people I financially care for. Last month I was informed your company is fraud and your company is charging {$49.00} monthly fee when your company is not part of the Public Service Loan Forgiveness program. I spoke with Federal Student Aid Department last month on XX/XX/XXXX at XXXX XXXX. I was informed there is no record of me being in the Public Service loan Forgiveness program and have not received any documentation from your company. I called XXXX XXXX onXX/XX/XXXX at XXXX XXXX and spoke with XXXX. After explaining to him about how the company fraudulently enrolled me in a program and are charging me a {$49.00} fee he placed me on hold several times and spoke with his supervisor, XXXX. XXXX  told me he would look into the matter and call me back. As of XX/XX/XXXX I have not received a telephone call regarding this matter. I attempted to call XXXX but the numbers I have are disconnected. Today, I called Federal Student Aid again to confirm if I was enrolled before my lawyer gets involved in this matter. My loan was transferred to XXXX and was told XXXX is not a company who is enrolled in the Public Service Loan Forgiveness program. I contacted XXXX  and was told I am not enrolled in the Public Service Loan Forgiveness program and if I was enrolled in the program my loan would be transferred to the XXXX XXXX XXXX. I was informed by a XXXX employee this is not the first time this company lied and told people they are enrolled in the Public Service Loan Forgiveness program when they are not. I will be contacting Financial protection Bureau & Federal Trade Commerce to file a complaint, contacted State Attorney General, and contacted the XXXX XXXX XXXX to file a complaint if we can not resolve this in a timely manner. I am requesting for your company to stop processing my loan and to waive the remaining {$49.00} monthly fee I am being charged. I have placed a stop payment on the remaining {$49.00} due to this being an scam. If this matter is not resolved in a timely manner, I will have my lawyer contact your company and the case will resolved in Court. Thank you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute a {$1900.00} debt claimed by XXXX XXXX, as I have never engaged in any business with this company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for job.
Consumer complaint received 2019-03-11
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. (WA)

Account was disputed as reporting inaccurate information which has caused me to not be able to obtain credit. The CRA 's are only updating personal information and are not correcting the inaccurate reporting of the account. This account was paid in full and has been for over a year. XXXX XXXX falsely updated payment information, but failed to report the overall account status correctly. This has been ongoing and is now representing an intentional attempt at destroying my credit. By provisions of the Fair Credit Reporting Act, I am now demanding that this account be removed from my credit report since I have made several legitimate, yet failed attempts to work with the CRA 's and XXXX XXXX to correct. Please delete the accounts from my credit reports, as they are inaccurate and the company is refusing to properly report them.
Consumer complaint received 2019-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Diversified Consultants, Inc. (IL)

cancelled my service, and paid what i owed, they said they cancelled the wrong dates and i still owe them XXXX
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tormey Bewley Corporation (NM)

I have a significantly lowered credit score due to an inaccurate and completely false collection claim by XXXX XXXX XXXX. The case was closed as a false misrepresentation to an otherwise PERFECT score in 2014 and yet the derogatory information remains on my credit report falsely and erroneously diminishing my credit status for the past 5 years. XXXX XXXX XXXX needs to take action to REMOVE this damaging false and slanderous information from my report immediately!!! 
Please hold XXXX XXXX XXXX accountable for falsely damaging the credit of good standing citizens!! 

Thank you!
Consumer complaint received 2019-03-11
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. (GA)

There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on Equifax for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX for {$63.00} Please remove unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-11
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: NRA Group, LLC (SD)

False reporting by 2 creditors on my credit report, the creditors adds on my credit file that I am delinquent in making my payments more than 2 months, they have been doing this for the last 10 years and I have tried to get this corrected recently because I now have gotten myself on track with keeping my credit score fairly decent the past 2 or 3 years but it continues to go down because of false reporting! I have 2 accounts that are fraudulent reporting on my credit file. I need them removed ASAP but, I need some help in doing so! 

I have had this disputed to XXXX, XXXX  and XXXX and all was reported as accurate! All Lies!!!!!!