davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

To whome it may concern I have contacted eqifax enguards to a chapter XXXX acct, an bankruptcy which has been asked to verify an velidate with complete proof of claim in which they have failed to do so, I have also contacted the courts for such information to know XXXX .would you please XXXX me an obtaining closer in this matter.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (CA)

Hi, I have recently found I have been a victim of identity theft. Someone has stolen my information and used it to open account with XXXX Opened on XX/XX/2022 with an account balance of {$8800.00}. I don't know how the thief got ahold of my personal information but I am certain I have not opened this account nor have I authorize anybody to open these accounts for me. Please process a block on this account ASAP.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have recently found I have been a victim of identity theft. Someone has stolen my information and used it to open account with XXXX Opened on XX/XX/2022 with an account balance of {$8800.00}. I don't know how the thief got ahold of my personal information but I am certain I have not opened this account nor have I authorize anybody to open these accounts for me. Please process a block on this account ASAP.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

Early XXXX XXXX  has not call back they dont respond I have problem with XXXX  XXXX XXXX that was fraudulent I have a ftc report and police report they did not co operate or abide by the rule of the fair credit act.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have some major issues on my credit file that need to be reinvestigated asap. 
issue 1. XXXX XXXX listed on my XXXX  report has a late Payment from XX/XX/XXXX, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete. 
2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, 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. 
I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.
Consumer complaint received 2017-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC (TN)

We received one call and then another call about 3 weeks later from a XXXX XXXX, Consumer Protections Bureau, telephone number XXXX, stating that I had won a total of {$580000.00} but could not tell me what contest of where the money was coming from. That the Bureau only delivered the money. I explained to him I knew nothing about this and did not think it was for real. He stated that I could give it to a charity and I told him that was fine, to send it The XXXX XXXX in XXXX XXXX, TN as this was a refuge for needy people and I gave him the address. He took all the information I gave him and said the check would be mailed to The XXXX. This was over a month ago but The XXXX has never received any check. Is this a scam and is this XXXX XXXX an employee of the Consumer Protections Bureau? If not, he is using your name. Thanks for your help in this matter.
Consumer complaint received 2016-06-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: The Regional Adjustment Bureau, Incorporated (TX)

I submitted a previous complaint : Ref Number XXXX The company who is handling my student loan ( RAB Inc ) said the dispute was resolved and it is not. They admitted to me by phone that whomever they bought my loan from finally gave them the records that I was always on time with my payments and not in default. My credit was extremely adversely affected by no fault of my own. Bringing my credit score from XXXX to XXXX. I want RAB Inc to submit a letter to me saying that they will take the derogatory marks off my credit through all XXXX bureaus immediately. I want a letter in writing. This company is ridiculous.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

The XXXX reporting agencies have stated that you never submitted the request to remove your account as you stated it was done ( i have proof ). I dont apprecite being lied too. please send the request and attached the proof. You have XXXX days.
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (MD)

This company is a fraud. I contacted this company on XX/XX/XXXX when they placed a collection account on my credit report. They stated that I owe them {$500.00} for a hospital bill from XX/XX/XXXX. I have never heard of this company nor have I received any mail from them in the past. I have no idea about a delinquent bill from North Carolina. I live in Maryland. This company is a fraud and very unprofessional. I asked them to send me a verification letter of the debt and they emailed stating that I owe the bill but it is not a verification letter that I owe the debt nor does it state that the Hospital assigned them the account. Usually debt collector contact you before placing derogatory marks on your credit report.
Consumer complaint received 2017-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MN)

THIS LOAN HAS BEEN ONGOING FOR 12 YEARS, AND DO NOT KNOW WHAT THE XXXX IS LEFT AS XXXX KEEPS COMING UP ON MY STATEMENT, IT IS LIKE A DRAIN BACKING UP UNTIL YOU GET MTHE CLOG OUT IT WILL KEEP BACKING UP, TERRIBLE. ALSO I DO MY PAYMENTS BY CHECK AND A STATEMENT DID NOT ARRIVE AT THE HOUSE AT IT NORMALLY DOES, THIS WENT ON FOR TWO MONTHS, I DO NOT KNOW IF THEY ARE FOCING ME TO ONLINE BANK, NO I WILL NOT DO IT, A CHECK TO THESE PEOPLE OR WHEREVER HAS BEEN GOOD FOR 12 YEARS WITHOUT A LATE OR MISSED PAYMENT. AFTER THIS I GO ONLINE AND SEE THE BIG RED MARK BEHIND THE STATEMENTS. LATE FEES AND SO ON, WHICH THEY WILL NEVER GET. I HAD THE LOANS THROUGH XXXX WHICH I HEARD IS NO LONGER IN BUSINESS. I WOULD LIKE AN INVESTIGATION INTO THESE PEOPLE AND FORBEARANCE OF THIS LOAN, ICH I NEVER HAD A CHANCE TO USE AS A XXXX. THIS WAS MHAD MANY LENDERS NAMES ON IT AT LEAST 4 OR 5 THAT ARE IN THE LOAN SOMEWHERE, THEY KEPT CHANGING NAMES AND SENT ME BOOKS FOR PAYMENT METHODS BY MONTH, THEN THIS QUIT AND ANOTHER COMPANY TOOK OVER, COULD N'T KEEP UP WITH ALL THE MANEUVERING AROUND WITH THE MONEY FOR THE LOAN, FINALLY THESE CLOWNS NAVIENT APPEARED INTO THE ACT, NOT TO HAPPY WITH THEIR PERFORMANCE EITHER. PLEASE GET ME OUT OF THIS LOAN AS IT MEANS NOTHING TO ME ANYMORE WITH THE DEGREE XXXX CHOSE, THE XXXX NEVER HONORED WHAT THEY TOLD ME AT THE BEGINNING AS PLACEMENT AFTER GRADUATION.
Consumer complaint received 2019-05-22
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. (FL)

to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} DEPT OF ED/XXXX {$36000.00} DEPT OF ED/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$1600.00}
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

In years XXXX I worked for XXXX XXXX XXXX After my hardship time frame ran out, my loan went into collections. Great Lakes took over my loan and I spoke to them about {$5.00} payments to get out of the status and then I was told I could then do IDR and qualify for Public Service Loan Forgiveness payments for 10 years or 120 months. Now, I work for XXXX XXXX XXXXXXXX XXXX. This is were everything feel apart. Great Lakes sold my account to Nel Net acct : or loan # XXXX. I got my new employer to certify my PSLF application in XXXX XXXX with my employment date with them starting XX/XX/XXXX. I Still work for them. So, today XX/XX/XXXX when I called Nel-net to see what and where my PSLF status is early this morning, I was told they don't touch those forms, have anything to do with it, etc. to call XXXX. I called XXXX who I had never heard of before. They don't even know who I am. On the phone putting in my SSN and DOB, they don't know me. I log in at work to their website to try to create an account thinking I can upload information. Nope, once again, they don't know me. I research a bit more on the site. You have to get your loan servicer to push everything over to them or process. Call nelnet again. Get the run around again rep XXXX. Get escalated to a supervisor who tells me my {$5.00} is not enough and they don't know what that is for by XXXX. XXXX XXXX says the dates from what you're telling me would be too old so you need to get your employer to do a new one. Okay I will send this back through my HR on a new form today. HR says we do these all the time, why is your servicer giving you such a hard time. XXXX at nelnet, the supervisor says but again, we don't take them, process them, etc. I say XXXX. XXXX 's website says other servicers have to transfer this to them. They won't take the forms or do anything with them if I am not with them. My issue with nelnet is two-fold. My {$5.00} is enough. The pandemic came and I would have totally satisfied my XXXX payments with Great Lakes to move into IDR and PSLF. Now, you tell me another story. I want my old and new forms to be accepted and I went ahead and uploaded my PSLF on nelnet 's site anyway, so they have it. I want those forms processed and moved to XXXX immediately so I can get credit for being in XXXX XXXX at qualifying institutions for the 14 years I have been doing so instead of getting the run around that I have. Also, so that I can create and account and upload and send them the qualifying paperwork that they won't take until I fall under them. I am also a military veteran and used my G.I. bill for some of my education. I only took loans out when I could not longer use that. Give me credit for all those past payments.
Consumer complaint received 2022-09-05
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: PENTAGON FEDERAL CREDIT UNION (OR)

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report.I found that under section605b of the FCRA the creditors are required by law to REMOVE any account which is found to be opened dueto identity theft. 

I urgently need assistance in determining who attempted to steal my identity and personal information to register for services under their own name. I intended to file a lawsuit against whomever this individual is. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TX)

Accounts opened in my name Fraudulently. 
Ally Financial : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-05
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: AMERICAN EXPRESS COMPANY (OR)

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report.I found that under section605b of the FCRA the creditors are required by law to REMOVE any account which is found to be opened dueto identity theft. 

I urgently need assistance in determining who attempted to steal my identity and personal information to register for services under their own name. I intended to file a lawsuit against whomever this individual is. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Hi I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX XXXX repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a senior and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX did file with FTC. XXXX has enter a Repo saying XXXX the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Associated Credit Services, Inc. (TX)

I am receiving harassing calls multiple times during the day from XXXX which then asks me to call XXXX. I called and tried to ask what the debt was for but they will not give me any information unless I give my personal information. I filed chapter XXXX bankruptcy and the rep refused to acknowledge or take my case #. I have no debts since my bankruptcy was XXXX. This creditor was included in the creditor XXXX  and bankruptcy filing case # XXXX
Consumer complaint received 2016-09-29
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: BlueChip Financial (OH)

I have been receiving several phone calls for several months from an XXXX XXXX regarding a Spotloan from the internet. He calls from different phone numbers but the latest phone number he called me from was XXXX. He is leaving very deragatory messages. He keeps calling my husband at work and on his work phone and has been told to stop. He has cussed at my husband on the phone, he has cussed at me also. He has left messages lying saying to call back regarding our property, and that he will find us. What does our property have to do with the loan? He has directly asked my husband " who wears the pants in the family '' and saying that my husband needs to force me to give him the money for this loan. He has also said that I need to look in the mirror and see that I am the problem as to why we are drowning in debt. He told my husband that I am fraudulent person and will be going to jail if he does n't pay my debt. This XXXX XXXX is a horrible person and needs to stop harassing us. He calls at all times of the day and night. Please make him stop!
Consumer complaint received 2016-06-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (NJ)

I have been in cantact with the hospital that at the time of the XXXX visit took the wrong policy # information. I informed the collection agency that the information had been taken by the billing dep of the hospital and where in the process submitting for payment. Collection agency only sent one notice and thast when i informed them of the above explained, they still proceeded to report to credit bureau.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

In XXXX, I sold my business to my other partner and told XXXX in XXXX, TX to remove me from the account. At that time I had no more access to online statements to that account and I received no more paper statements. So I assumed that I was removed off. However, in XXXX that account was in overdrawn and somehow my name and social was still tied to this account. The address is a place that I have never lived. In my 6 years with the bank I was never past due or in default. They had keep the account open because of my business partner was also on this account. It should have now been completely in his name which the obviously did not fix. I was never contacted to rectify this situation and it was just thrown on MY credit report. They refuse to fix or take any responsibility.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (WA)

Recently received a credit report from XXXX which reflected a Santander XXXX account opened in XX/XX/2013. I have disputed this account in the past to no avail. It is my belief that the creditor is now taking steps further to intentionally report false information about me in order to keep this zombie debt on my credit file. The delinquency dates and repossession dates are being fraudulently changed by the creditor!