davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from XXXX XXXX and I also filed an identity theft packet directly with XXXX XXXX. XXXX XXXX responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with Experian, XXXX, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. XXXX  XXXX  was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with XXXX XXXX directly and XXXX XXXX insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and XXXX XXXX is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!
Consumer complaint received 2017-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (OH)

Please forgive me if I mix up servicer and owner of my loans. Its not always clear what is actually going on and I think that is the point of it. 

On XX/XX/XXXX I was accepted a loan modification offered by loan science on my private student loan consolidation serviced by ACS education. There was a principle reduction and an interest rate reduction to 0 % in the loan modification. The principle reduction was honored which was great, however there has been no movement of the interest rate. 

I first reported this to the CFPB on XX/XX/XXXX that the interest rate had not been changed. The complaint number for the original complaint was XXXX. On XX/XX/XXXX loan science replied that the suggested changes ( interest rate 0 % ) had been made to my account. I waited several weeks to see the changes and they never happened. On XX/XX/XXXX I  provided feedback that the interest rate had not been changed. However, my complaint was still closed. 

What actually happened is that XXXX XXXX sold my loan to XXXX after my complaint without changing the interest rate. That sounds like a crime to me. 

Today I learned that my loan will be switching servicers to XXXX XXXX on XX/XX/XXXX. It was also noted in this document that XXXX will " create a new account number '' for my loan. I assume this is some sort of move to try to distance my loan from my loan modification documentation to further avoid honoring it. Its time to get this sorted out and to quit playing musical chairs with my loan to avoid the loan modification that was offered and accepted. 

The current lender listed on the XXXX website is XXXX XXXX XXXX XXXX and the gaurantor is XXXX XXXX XXXX. This information itself is out of date and probably illegally so since this information has been wrong for over a year. 

I believe that ACS, XXXX, XXXX XXXX, XXXX XXXX XXXXs and XXXX should be contacted and the responsible party should then act.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc (WA)

Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX  incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt. 

Details : - My family and I rented a house and XXXX supplied garbage and recycle services. 
- My family and I moved out at the end of XX/XX/XXXX. 
- During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out. 
- XXXX kept billing us so I called and disputed the billing. 
- The owner of the house also called XXXX and he was told that there was no outstanding bill. 
- Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation. 
- I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA - I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours. 
- A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association. 

How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt? 

I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress! 

Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it. 

WRONG! - I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Merchants Credit Association XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-10-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I contacted Experian to dispute an account reporting 30 days late on my credit report and it was never 30 days late I submitted proof of dates I paid my bill including the due date and the error was not corrected. XXXX XXXX is the company reporting 30 days late forXX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (FL)

These inquiries was not authorized. 
please remove these inquiries from my report ASAP. 
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 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 XXXXXX/XX/XXXX These inquiries should not be on my file i am sending a FTC and proof of ID aswell.

The companies are not complying with my request
Consumer complaint received 2022-08-09
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. (NY)

I am a victim of identity theft. Fraudulent applications were submitted with my personal information to XXXX XXXX XXXX and XXXX XXXX in late XX/XX/XXXX. As a result, there are related inquiries showing on my TransUnion credit report. On XX/XX/XXXX a dispute was submitted to TransUnion on my behalf against these fraud-initiated inquiries. Since that time, XXXX subsequent disputes have been sent on my behalf. However, as of today ( XX/XX/XXXX ) these fraud initiated inquiries continue to report on my TransUnion credit file.
Consumer complaint received 2017-10-08
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. (LA)

There is an address in my credit score that Ive never lived at. Ive never lived in California and i dont know how my address has changed from XX/XX/XXXX-XX/XX/XXXX, because I still live down south at my most recent location!
Consumer complaint received 2018-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

In XX/XX/XXXX, I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to Paypal that was outstanding. This debt was attempted to being collected by XXXX. At this time, I checked my Paypal account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to XXXX disputing the debt.

XXXX replied back on XX/XX/XXXX with a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from XXXX, there was given a " Paypal Inc. Account Number '' which I did not recognize. In fact, Paypal says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my Paypal account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my Paypal statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have called for 3 months on getting these hard inquiries removed for my credit report on transunion/XXXX XXXX/ XXXX/XXXXXXXX XXXX : They keep stating that they have not received anything from ( XXXX XXXX XXXX ), or XXXX states they have sent an Electronic Deletion request to Transunion/ or they do not see any accounts with my name. It is wrong to keep giving the run around on hard working American Citizens that work for a good life. Please correct this and take it off my report. Transunion and XXXX/XXXX  need to have some type of responsibility to their short comings on customers credit/ lively hood. 

I spoke with ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ... 

XXXX ID # XXXX today XX/XX/XXXX and she said she is sending a letter or electronic letter of deletion to Transunion. 

Have transunion/XXXX XXXX/ XXXX/XXXX/XXXX XXXX  Send me a letter of Deletion and Delete the following Fraudulent Hard Inquiries : XXXX  ( XXXX XXXX XXXX airlines/ travel entertainment ) XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX XXXX   Via XXXX  ( XXXX/XXXX  ) XXXX XXXX XXXX XXXX MD XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX
Consumer complaint received 2017-12-02
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. (GA)

I havent been able to access my credit report, and once I called XXXX to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.
Consumer complaint received 2021-11-29
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. (AL)

I have submitted numerous disputes with Equifax regarding inaccurate information being from XXXX XXXX XXXX. The inaccuracies regards two closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's Equifax reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with Exquifax to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. Equifax needs to correct this issue or delete the accounts. XXXX XXXX also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did XXXX XXXX reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!
Consumer complaint received 2019-05-12
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. (FL)

I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.
Consumer complaint received 2015-05-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Med-1 Solutions, LLC (IN)

I have not received any bill from XXXX XXXX hospital. However, XXXX XXXX XXXX ( XXXX, IN ) has sent me collection letter to pay {$1600.00}. I have requested in writing that I receive detailed bill from the hospital and also gave an offer to pay the account. However, XXXX XXXX XXXX has sent XXXX letter this time included my husband 's name on the collection letter. I feel there are XXXX violations ( XXXX ) I have not received any invoice in writing ; ( XXXX ) XXXX XXXX XXXX has included my husband 's name.
Consumer complaint received 2021-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from XXXX XXXX and I also filed an identity theft packet directly with XXXX XXXX. XXXX XXXX responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with XXXX, Equifax, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. XXXX XXXX was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with XXXX XXXX directly and XXXX XXXX insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and XXXX XXXX is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!
Consumer complaint received 2020-04-08
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. (MN)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2019-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (MD)

on XXXX/XXXX/2015. XXXX was sent to delete collection. XXXX # XXXX. Collection was deleted as instructed but has reappered on my credit file today.