davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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: AES/PHEAA (AR)

This Fedloan account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/XXXX. It is ONLY reporting on XXXX This account was closed due to transfer XX/XX/XXXX. I have late payments from XX/XX/XXXX-XX/XX/XXXX. Then showing current payments from XX/XX/XXXX-XX/XX/XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from Fedloan that they closed it and no payments after XX/XX/XXXX. I will be attaching all of that. Fedloan and XX/XX/XXXX are no help. Every time I dispute, they add more stuff after the date of closure!
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

Filed several CFBP complaints which have not been resolved against National Credit Adjusters , LLC about inaccurate amounts and information on my credit report. They sent a letter stating they would cease all collection activities until fully investigated and I received all detailed information on debt, but they are still reporting negative update to credit bureaus and have updated account type from a debt buyer to a factoring company stating this is an OPEN account and it is not. Per XXXX XXXX response to complaint # XXXX this was a defaulted debt purchased/released back in 2016.
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ROCKFORD MERCANTILE AGENCY, INC. (IL)

Im writing this complaint to request a review and correction of the alleged derogatory information that violates my rights as a consumer. 
The above collection agency contacted me on XX/XX/XXXX to collect a debt that they believe I owe. 
Rockford Mercantile Agency stated in their request that I owe to XXXX XXXX XXXX {$620.00} in which is now past due and placed with them for collection. 
On XX/XX/XXXX I submitted my request to validate a debt to Rockford Mercantile Agency and requested to provide me with a proof that debt is valid and Im financially responsible for the above debt. 
I reviewed all my records and I found that back in XX/XX/XXXX I had an office visit with XXXX XXXX XXXX and I paid off all medical bills that I owed between XX/XX/XXXX and XX/XX/XXXX. Since XX/XX/XXXX, I have not been contacted by the above creditor about unpaid debt In response to my request, Rockford Mercantile Agency provided me with a copy of itemized billing statement that show that I owe {$620.00} to the above creditor and this debt have not been paid. The above agency did not fully verified unpaid debt and did not provide any additional information as a proof of their validation of debt. Instead they disclosed without my consent my medical records from XXXX XXXX XXXX and violated my rights as consumer according to Fair Credit Reporting Act. They did not provide any proof that they licensed to collect a debt in state of Illinois and proof of last payment that has been made on the account. 
The above agency reported derogatory information to all consumer reporting agencies XXXX XXXX, and XXXX  and violated Fair Debt Collections Practicing Act, Section 809 ( b ) validating debt. The debt of first delinquency on my report is not accurate. I do not owe any debt anything to the above creditor since XX/XX/XXXX. 
Moreover, I disputed the above debt with original creditor XXXX XXXX XXXX and advised them to review and verified their records of my payments that made towards unpaid debt.
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account Open 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 via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I, XXXX XXXX XXXX DID NOT GIVE XXXX, XXXX, EQUIFAX ANY WRITTEN INSTRUCTION.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

On the weekend of XX/XX/2021 I deposited about {$500.00} into Binance.US 's app to purchase and trade XXXX. So far, I have made almost 200-300 % profit.. yet when I attempted to withdraw my money or XXXX, send it to another XXXX XXXX  exchange for another coin on their platform ... my trading shows up as blocked " due to risk management. '' According to their responses to others on their XXXX XXXX this usually happens in the case of suspicious activity on the account.. however, not only have I completed their advanced verification process that took about a week, I also had never used their platform before this. So I don't understand how my account would be suspicious. 

As of today, my trading has remained blocked for about 2-3 weeks and my XXXX is still in their app and I can not move it out. 

I posted my issue twice to their XXXX Others got their issue addressed within the same day, yet I have had no one get back to me after going through their support email and their company 's XXXX page. It's almost been a month.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have filed multiple disputes with Experian. On XX/XX/2022 I filed another complaint against Experian asking them to provide me original documents with wet signatures, that a debt is owed by me to a company by the name of XXXX XXXX. Experian Has NEVER been able to provide me with the documents that I am requesting, If a debt is owed by me to this company, they should provide me with the documents. Experian have been avoiding sending me the documents that I have continually requested, Experian also stated they sent me documents on XX/XX/2022, but I have NEVER received any documentation. It's really leaving me to believe that everything for the past XXXX years has been handle improperly and incorrectly. They can never solidify their reasoning to believe that a debt is owed by me. By Experian improperly handling my situation is affecting my every day life, I can not get a place to live.
Consumer complaint received 2020-06-27
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. (AL)

On XXXX XXXX my personal information was used to purchase a vehicle without my permission. I have made several attempts to dispute this matter with the three major credit bureau, XXXX and XXXX has assisted me in correcting this issues. Experian on the other hand has refused to assist me with this issues. The person who use my information without my permission have written and signed a statement admitting using my information to obtain a loan with XXXX XXXX.
Consumer complaint received 2020-09-13
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: EQUIFAX, INC. (AL)

I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX
Consumer complaint received 2020-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (TN)

In XXXX of XXXX, I transferred a line from a separate XXXX account, to my XXXX account. At the time, XXXX explained that a temporary account needed to be created in order to make the transfer. 

A month, later, I received a bill for the temporary account that XXXX created. After a dozen phone calls and 5 trips to different XXXX stores over the course of a month, someone at XXXX finally said that the issue had been " resolved. '' In XXXX of XXXX, a collections agency reported delinquency on my credit report. XXXX  did not resolve the problem, and send the amount to a collections agency. After more calls to XXXX, they again said it had been resolved. 

I was, at the time, pursuing a refinance that would have saved me thousands of dollars. This delinquency on my report stopped those efforts immediately, as my credit no longer supported these rates. 

However, XXXX seems uninterested in ensuring that this is permanently removed from my credit report. I have made dozens of efforts to resolve this in good faith with XXXXXXXX to no effect.
Consumer complaint received 2021-07-17
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. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 47 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives a reason to immediately remove those items from my credit report it has been over 47 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stressed you caused me.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

reporting an incorrect account, incorrect account number, a missing field of XXXX- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Bank is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report.

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY CAPITAL ONE BANK ( SEE ATTACHMENT ) XXXX XXXX - 17 late payment reporting including 6 months of being reported as CO XXXX  XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off ( SEE ATTACHMENT ) XXXX  XXXX - NO DATA Capital One is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX  they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting CO. To XXXX  they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (FL)

I saw an ad on a social media site stating " Loan Forgiveness Program '', I was interested because I have loans that I needed to consolidate, so I ended up calling the number XXXX, someone answered right away asking me how many loans I had, for my social and all my information, he put me on hold for 5 minutes claiming he was speaking with his manager in order to get me the loan forgiveness plan & explaining to me that I would have to pay anything after me paying them. I gave them my debit card information and they charged me a total of {$790.00}. According to the person on the phone, he said the payment went through, and that from there forward I would n't have to worry about any more payments, therefore, my school loans were at {$0.00} balance. I also have documentation where they said I signed which I never did, use a cursive font in order to make it seem as I signed. One year later I now recieved a letter for Federal Student Aid stating I had to start paying my student loans. I thought this must be a mistake because I already " consolidated '' my loans why would I have to continue to pay anything anymore? I called the Federal Student Aid and to my surprise, all they did was take my information and pretend to be me and have my loans in deferment. I also tried to log-in to the Federal Student Aid website in order to proceed with the Income driven re-payment plan and they had used my information, created an email address I have never used, also use a California address and phone number all associated with this account. I have lived my XXXX years of my life in Florida. Why would I use any contact information in California? These people have scammed me out of my money for in their words " documentation preparations '', which I could have done personally for FREE. XXXX XXXX XXXX XXXX http : //premierstudentloancenter.com/
Consumer complaint received 2023-01-28
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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  Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (GA)

I recently checked my credit report on XX/XX/XXXXand saw a collection account on my credit that I never had. The collection is from Advance Collection Bureau for  the amount of XXXX. I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/ and it was received and signed for on XX/XX/XXXX In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so. I have attached all my supporting documents to this complaint.
Consumer complaint received 2021-04-30
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. (VA)

My Experian credit report shows that I have a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/2017. This account is associated with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, which I've never been to. I filed a dispute, XXXX, with Experian while the result still shows the account belongs to me. 

I'm looking to : - Remove this account and its associated address in MO from my report. 
- Fix any negative impact on my report from this account, as it doesn't belong to me
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

The following information on my credit profile appears to be somewhat misleading and incorrect, thus I am formally asking you to fix it. You have XXXX  days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be showing any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data provided. Please update this from my file, make any necessary changes, and modify it.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Called my phone repeatedly, and right after called my MOTHERS PERSONAL CELL PHONE. And my ex boyfriends PERSONAL CELL PHONE. They were both right next to me and It was the exact same number calling and neither one of them are my spouse. UNFAIR ACTS.
Consumer complaint received 2018-03-30
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. (MN)

i paid off a mortgage at bank, i received a satisfaction of mortgage, the account shows past due on my reports i have downloaded the satisfaction to the credit agency 's, they do an investigation, they remove the item from my file, then within 1 week its back on my report, this has happened many times over the past 12 months, my credit score bounces XXXX to XXXX points each time, i spoke with experion last on XX/XX/2018, she read the documents that she had on file from the latest dispute and told me the bank who the paid account was with ( XXXX XXXX XXXX XXXX  mn. ) did not respond within the 30 day window so they deleted the account, but then XXXX XXXX responded late and it was back on my report. 

please note the account number on the bottom of the satisfaction document, that is the same as the account number on my credit file. please read the document it is very clear this account is paid in full.