davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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)

A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2021-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

I received letters twice from Enhanced Recovery Co L regarding collections for a mobile device number not associated with me, on the back of the bill it tells you to pay at XXXX XXXX or XXXX XXXX. My husband contact Enhanced Recovery Co L, they tried to claim that the I owed {$1500.00} for an XXXX XXXX XXXX mobile number ; this is inaccurate. I believe the company is fraudulently trying to obtain my information, also they sent a fraud packet for me to complete. I didn't complete the packet nor pay the fraudulent bill. I have filed a police report with my local agency, the officer informed not communicate any further with Enhanced Recovery Co L, he believes this is clearly a scam, trying to obtain my personal information to use for other purposes.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

I am writing to you about the following Kimball Tirey & St John account # XXXX, original creditor : XXXX XXXX XXXX XXXX opened date : XX/XX/2014, original amount : {$5800.00}. 

This company has fail to do the right thing. They are committing so many violations by re-aging the account, conflicting report from one bureau to another, negligence and unfair practices. 

I am demanding to get the item off my reports as a compensation for all the violations and damages ( psychological stress, credit score drop, blocking me from getting credit cards, high interest rates in actual loans ). 

Attached documentation. 

Thank you.
Consumer complaint received 2020-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery associates has attempted for 7 years to get this debt paid. I owed this to XXXX XXXX credit and was opened in XXXX not XXXX and i cant get this cleared. i have made continuous complaints and still not taken off my credit. This is unlawful to attempt a debt that has exceeded its time limit to put on my credit report. Also fictitiously reported that it was opened in XXXX and was not.
Consumer complaint received 2020-09-12
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2021-04-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I called Navient ( XX/XX/XXXX ) in response to an email notification that my student loan payment was increasing to {$360.00} a month, I am 71 years and employed, but my net salary is XXXX per week. I called Navient and was transferred to a representative with XXXX XXXX who advised me I qualified for a payment plan that would greatly reduce my debt over a 10 year period. The agreement was I pay {$170.00} per month for 6 months and then {$40.00} per month thereafter for the remaining period and Navient and XXXX XXXX ( who I was also getting collection calls from about my student loan balance ). The first payment was deducted from my bank account on XX/XX/XXXX, XXXX ( XX/XX/XXXX ) I received an email from Navient stating a payment of XXXX was done on XX/XX/XXXX. I called Navient and provided the information about my patent plan with XXXX and was told XXXX was a third-party collection company perpetrating a collection scam. I was advised to contact my bank and dispute the {$170.00} payment and contact Consumer Financial Protection Bureau to report what had occurred. I also contacted XXXX XXXX  to let them know what Navient had said and was to that XXXX Financial had filed IDR papers with Fed Loan. I asked for a copy of whatever was filed on my behalf because at this point I do not know what to believe.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I went to the Chase bank on XX/XX/2020 in XXXX XXXX Florida to deposit some of my wedding money in the inside ATM. It was about 5,000.. We quickly filed a claim with the bank. A month later they send us a notice stating they could not find any money in the ATM that we deposited. Chase has stated there is nothing they can do..
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian shows all of my student loans in default. I contacted my student load provider and they confirmed that I have never been in default. They stated they have never reported that I have been in default and they even sent me a letter showing that I was in good standing. When I called Experian to discuss this with them, they blamed the student loan company and told me to call them. When I explained that I did and they even provided a letter stating that I was in good standing, they said well start a dispute and in 30 or so days someone will contact you updating you on the status. 

Experian shows my home mortgage account closed, when in fact it is open. 

Experian shows other accounts as delinquent when they have been paid in full. 

When I call Experian I wait on hold to speak to someone who belittles me and acts like I, or the company I obtained credit with, is to blame. I have yet to find a competent person to help resolve my issues. This is very frustrating as who else am I supposed to call?!?! I have no choice in the company that provides credit reports, I am never satisfied with the level of customer service I receive and it takes weeks to get anywhere with a dispute or even an inquiry. I am beyond frustrated.
Consumer complaint received 2020-10-30
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. (GA)

There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

^^^^^^^ Dear the " '' governor '' ''. I am **XXXX XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!
Consumer complaint received 2023-02-23
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. (CA)

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXXXXXX & Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXXXXXX Name : XXXX XXXXXXXX Account XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (OR)

Receivable Management Services, LLC Has in credit report on a bill that should NOT be there. They cant track down the account number or information. I have disputed with progressive about this. Had account canceled a month before. Got new coverage and coverage had told me that theres a lapse in policy due to no coverage my rate was higher now. Debt should not have been billed to me if there is a lapse in coverage month before had been paid off. ( because account was closed! ) I have emailed RMS about this and they cant find an account with this information and cant help.
Consumer complaint received 2020-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The company 's name is Portfolio Recovery Associates, the name of the personnis XXXX XXXX, they called me on my cell phone on Sunday at XXXX hours with threats. This is unacceptable. I have no idea who these people are, this is a cell phone and I thought they were forbidden to call on Sundays and cell phones.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX & XXXX only ) 30 days late as of XX/XX/2018 ( XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX Chase Bank has closed my credit card account ( s ) without warning or any notification. I have been making my payments on time. I am overseas and asked a friend to make my payments. I would send him the money and he would make the payments. Last payment made XXXX XXXX XXXX. 
I have ( had ) two credit cards with Chase. 
XXXX XXXX and XXXX XXXX. One had a ( XXXX ) balance the other approximately {$650.00} balance. Both accounts were closed. 
PLEASE HELP. 
XXXX XXXX XXXX
Consumer complaint received 2017-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

Was in IBR repayment plan. 
Applied for rePAYE through XXXX rePAYE application was approved. 
After this, a {$5.00} payment had to be paid to transfer into rePAYE. 
Despite being signed up for direct deposit, autodraft payments, the payment was never drafted. 
After non-payment, the account was considered delinquent, the rePAYE approval was denied and it has been a nightmare to correct.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive received multiple solicitations from XXXX XXXX inviting me to apply for an XXXX Credit Card with NO IMPACT TO CREDIT SCORE for applying. Upon checking my credit report I noted a hard inquiry that I did not authorize from XXXX subsequently lowering my credit score by 37 points. I checked the offer again and confirmed multiple instances where no impact to credit score was advertised, however, upon, closer inspection I noted a small, barely noticeable footnote. This practice is deceptive and fraudulent. Had I been aware this would impact my score I would have never applied. Apparently XXXX knows this as well hence the bait and switch tactic.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit reports per XXXX, XXXX XXXXnd XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-30
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)

Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-10-30
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. (FL)

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSH & Associates, LLC (MO)

This letter is a formal complaint against RSH & Associates , LLC, a collection agency located a XXXX. XXXX XXXX XXXX, Kansas XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I XXXX XXXX take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have  since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Please investigate the collection practices of this company, specifically in my particular case. I 'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these four accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional.
Consumer complaint received 2020-12-09
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX