davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX   ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SCHOOLSFIRST ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (FL)

I pulled my credit report on XXXX XXXX, 2016 and found XXXX collections listed from Commonwealth Financial starting on XXXX XXXX, 2016. I had no knowledge of Commonwealth Financial was prior to XXXX XXXX, 2016. Commonwealth Financial has never contacted me via any method to inform me that they were attempting to collect a debt or debts. Commonwealth Financial did not afford me the ability to disputed their alleged claims within 30 days of notice which is a clear violation of the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809. 

I have sent a Notice of Pending Litigation letter to Commonwealth Financial seeking relief and monetary damages. The mailing date of this letter is XXXX/XXXX/2016.
Consumer complaint received 2017-01-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

This company has placed a debt for medical bill which does not belong to me. Also, how did this company get my social security number to apply to me? It has already placed the debt to another person who shares the same address as me with the same name. I assume they do not verify information.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

I discovered these fraudulent inquiries that I did not make on my experian, XXXX, and XXXX credit reports including : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (CA)

Since XXXX I have been disputing the alleged account with Barclay Bank of Delaware, I have made several attempts for the furnisher to provide me with evidence of which I owe this alleged debt, the method of verification providing the name, address, and telephone number of the persons that verified this debt, the original signed contract bearing my signature, I even showed evidence via my credit reports that the furnisher was reporting inaccurately to XXXX, XXXX, XXXX, with inaccurate, incomplete, blank or missing information such as account numbers, high balance, credit balance, dates open, reported, last reported, account type. 

And the furnish still reported to the consumer reporting agencies as verified and accurate. It has been more than 5 years of inaccurate reporting, which is past the statute of limitations in CA, I have also asked if they are licensed to report and collect in my state and provide me with this evidence and have still failed to do so. 

On XX/XX/XXXX I was served a lawsuit by XXXX XXXX XXXX, that were unable to provide me with viable evidence of the original contract bearing my wet ink signature, who simultaneously was attempting to collect the same debt as Barclays Bank of Delaware. I contact both XXXX XXXX XXXX and Barclays requesting evidence, and neither XXXX XXXX XXXX and Barclays failed to provide evidence. 

Barclay continued to report inaccurately without providing evidence even after XXXX XXXX XXXX stopped reporting. As of XX/XX/XXXX XXXX  and XXXX  have stopped reporting as there were unable to provide evidence from this alleged account that beared my wet ink signature.
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (WV)

I paid off my vehicle loan for a XXXX XXXX XXXX to CarMax Auto Finance, in full, on XX/XX/XXXX in the amount of {$11000.00}. After recently moving to another state and needing to register my car in the new location, I discovered CarMax still has themselves listed as a lienholder and will not release the title despite providing them a bank statement proving the loan was paid, per CarMax 's own instructions. 
I have called the Auto Finance department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to get this issue resolved.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXXXXXX XXXX Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$450.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (VA)

I called XXXX XXXX XX/XX/22 regarding text messages that they were sending to my phone for a debt that does not belong to me. Originally I clicked on the link to try to figure out how I owed a debt with a company ( XXXX  XXXX ) that I just started with. When I clicked on the link to find out exactly what was going on, it required me to type in the last 4 of my social security number, which I did. When the account information pulled up, I realized it was NOT my account. My son who is a minor has the same name as the XXXX of that alleged debt. I called halsted financial and they violated federal law by releasing the last 4 of that persons SSN when I told them on the recorded line my name which is not the name listed and of course not the ssn. You can not release protected information such as SSN.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

We wrote a check for {$4000.00} 6 months ago from our Wells Fargo checking account to a business in XXXX XXXX FL, and sent it by US mail. A woman stole the check from the mail, and altered it adding her name to it, and she deposited it into her XXXX XXXX account in XXXX XXXX, FL using an ATM deposit as a method. 
The police identified her, arrested her for theft, and she pled guilty to theft, fraud and forgery of the document. She is now out on probation in fact with the State of Florida. 
To this day we have not been reimbursed our loss by our bank or XXXX XXXX. 
I have all documents to support my complaint.
Consumer complaint received 2020-03-25
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. (SC)

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I found a debt listed in my credit report by XXXX XXXX. The original creditor was listed as XXXX. This debt was formerly listed by another credit  collection company, XXXX, but was removed from my credit report after I filed a claim with them for fraud as this was not my account. 

Apparently the debt has been sold to Convergent who has reported it within the last month to the credit reporting agencies as a new collection. I sent a written request for debt validation on XX/XX/2018 certified return-receipt mail. I received a letter of debt " verification '' on XX/XX/2018. The " verification '' does not include any of the information I requested to be included in the debt validation. Among other requested items, there is no signed contract.
Consumer complaint received 2020-06-24
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. (PA)

I WAS NOT LATE ON MY AUTO I WAS XXXX  WITH XXXX  XXXX PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

For several months XX/XX/XXXX I did not receive statements on my Capital One credit card. I was on the phone monthly trying to resolve the issue with them. They blamed the XXXX Postal service, but I believe the issue was with Capital One. Their representatives assured me that my payments would not be treated as late because I did not have statements to pay from. As soon as I received a statement, I paid it and even did a couple of wire transfers. Recently I discovered that they reported a late payment for XXXX XXXX. I have NEVER had a late payment in my XXXX years of credit card use and this should NOT be on my record since I did not have statement to pay from. Dating back to XXXX XXXX, I have contacted them several times to have this removed from my credit report. They agreed when on the phone but they never sent the update to the credit bureaus. Today, I conferenced XXXX and Capital One on the phone. During that call, Capital One stated that they never sent those updates to remove that from my record and that they were not going to. So, for months Capital One representatives have been lying to me. During my calls, they would never put anything in writing for me because of " policy, '' but I see now it was because they were flat out lying. A " Late Payment '' should NOT be on my credit report record because of Capital One 's issue with statement processing. This is the only blemish on my XXXX years of credit and I was NOT late. THIS IS WRONG! They are a terrible company.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am disputing unfair and deceptive credit bureau reporting information against creditor Capital One. I had settled in full my charged off credit card account with a debt a collector called XXXX XXXX XXXX on XXXX/XXXX/XXXX. The manager at XXXX assurred me that once my account was paid the information would be provided to Capital One at which time the account would also reflect the same type of reporting to the credit reporting agencies. Since I settled this account in full, Capital One has been reporting incorrect information about this account to XXXX, XXXX and XXXX. I disputed this account with all XXXX of the credit reporting agencies, requested a FULL DELETION and achieved absolutely no results, no help and no explanation whatsoever on why the incorrect information should remain the same. I then receive a letter from Capital One dated XXXX/XXXX/XXXX acknowledging my disputes however the information the credit bureaus provided to Capital One may not have contained all the information to fully understand my dispute so they requested I send supporting documentation. I cooperated and sent over all supporting documentation to Capital one. I called Capital One last week Wednesday XXXX/XXXX/XXXX to follow up on my dispute and confirm that they are reporting an incorrect Balance of {$320.00} still being owed on the account when it should be XXXX. I then advised that my account shows an incorrect past due amount of {$320.00} which was is also NOT CORRECT. I advised the rep they need to stop reporting the incorrect account info because they are violatng the FCRA. The representative at Capital One refused, was very unhelpful, unprofessional and did not provide me with any proof or support to justify their incorrect reporting to the credit bureaus. I advised her that I would be filing a complaint to the CPFB because I am done wasting my time filing disputes with the credit bureaus and done trying to prove they are reporting bogus information about my account.
Consumer complaint received 2020-06-24
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. (MO)

I just filed a complaint with Experian and they closed the complaint without even investigating it! The response I got We dont think this is you so were not going to take action! I just filed a complaint on XX/XX/20 Explaining that Experian was falsely reporting inaccurate information on my credit report! Please reopen the complaint filed on XX/XX/20 and investigate the inaccurate information reported!
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Debt Holdings, LLC (DE)

i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud
Consumer complaint received 2016-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX/XXXX/2016 I was reviewing my credit reports and noticed that a collection company by the name of Commonwealth Financial System was reporting a medical account for {$1000.00} as of XXXX/XXXX/2016. I immediately called them with my financial advisor and spoke to a supervisor by the name of XXXX XXXX extension # XXXX. We explained to her that the account was not mine and questioned her how can they send wrong information to the credit bureaus without making sure that they are sending the correct information? She stated that all they do is send a letter informing the person that the debt stands but other than that that 's all they do. I stated to her that that 's wrong because the FCRA states that they have to verify all information that 's true and correct before reporting to the credit bureaus. She stated that they sent a letter to XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I stated to her that I have never lived there. She really did n't have an answer for this. I requested that they stop collections attempts and to have this account removed from my credit reports. This account has affected my credit scores by more that XXXX pts. and I have a business that depends on my credit score and now it 's deeply affecting my business. I was instructed to send a letter of dispute and to contact all three credit bureaus. The account number is : XXXX.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (SC)

somebody got ahold of my social security number and got a loan from cash net usa in my name. they said that put XXXX dollars in my checking account on XX/XX/2017. this did not happen.
Consumer complaint received 2020-06-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE OR WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION WAS MADE ACCESSIBLE BY SOMEONE UNKNOWN TO ME WHO HAVE MANAGED TO OBTAIN THESE ACCOUNTS AND INQUIRIES. I AM ASKING THE A RE-INVESTIGATION TAKES PLACE IN THIS MATTER SO THAT THE NEGATIVE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

In XX/XX/2017 XXXX XXXX XXXX ( XXXX ) contacted me about my parent/ child student loan, at the time my balance was XXXX, which was thru XXXX XXXX. I was paying them on time each month never had a problem with them. XXXX told me they could refinance my loan, my overall payments would be 3 years at XXXX per month for a total of XXXX and the rest would be forgiven. In XXXX. I received paper work from XXXX, who informed me that they had taken over my loan, and they said my first payment was due in two weeks. and my payments would start at XXXX and rise to XXXX. I was so hurt. I cant believe people are taking advantage of the public like this. Something needs to be done. Help us.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am placing a freeze on my credit files at XXXX, XXXX, and Equifax, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent Equifax breach ), the fee is an unjust burden on consumers.