davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

On XX/XX/2014 American Education Services sold my student loan to XXXX. The problem is that I was having difficulty making the payments due to numerous medical issues that had occurred in our family, but I tried numerous times to work with them. They had horrible customer service, and when I finally resorted to going to speak to an attorney about the issue, they quickly added {$10000.00} to the loan and sold it off. My original loan amount was around {$14000.00} and now today it sits at over {$25000.00} due to this. I have tried many ways to look into this matter and how it is ethical to tack on a hefty profit prior to selling off, but not until today did I find this website to report them to. How is this legal for them to do that? They had threatened to garnish my wages which is what led me to an attorney, and unfortunately I chose a poor one who misguided me on how I could get resolution. I would appreciate any assistance you can offer, since the government should also have an issue with a company representing the government doing this to people. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-10-24
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. (MI)

I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and transunion twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify me
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc. (TX)

2 Accounts in collections under the company of Diversfied Consultants reporting the wrong delinquent date on both accounts. I have a account that went delinquent with XXXX the original creditor XX/XX/XXXX, and another account with XXXX XXXX that first went delinquent in XX/XX/XXXX. I want these accounts verified with the original creditors, I want a copy of what was used to verify both accounts. Under section 611, I want all verified resources to be mailed to my address on my credit report. Im trying to avoid getting an attorney to help me with this matter. I want all information on my credit report, reporting accurately or removed.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

My name is XXXX XXXX Creditor is New York & Co. 
Comenity Bank Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with New York & Co, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. 

However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company Comenity Bank and it has not been satified, I really feel that this is not fair. 
My email is XXXX Company address is XXXX XXXX  XXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
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: EQUIFAX, INC. (TX)

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 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 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
Consumer complaint received 2021-09-21
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. (LA)

Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

During XXXX and XXXX had a little financial difficulty making payments in time. Tried to work with creditor to lower payments to keep from damaging my credit.
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-25
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. (CA)

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. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XX/XX/2021
Consumer complaint received 2022-04-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (CA)

I attended a college in XXXX from XXXX - XXXX. My federal loans were managed by XXXX XXXX XXXX I had several forebearances while living in XXXX XXXX ( XXXX ). I switched to an IDR plan after reading a XXXX article and watching some XXXX videos ( about the XXXX heir who became a government secretary education [ XXXX? ] ) in the period between XXXX. 

Before I switched to an income-driven repayment plan approximately {$20000.00} of interest was added to my principal loan balance. 

I want to have my loan amounts adjusted downward. As an XXXX my credit score is particularly precious. I have lived in XXXX since XXXX. 

XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (PA)

INFORMED THE COMPANY THAT THE DEBT DOES NOT BELONG TO ME. ASK FOR PROOF THAT THE DEBT IS MINES AND THEY HAVE YET TO SEND ME ANYTHING WITH MY SIGNATURE. ASKED THAT THEY STOP REPORTING FALSE ITEMS TO MY CREDIT FILE
Consumer complaint received 2022-07-20
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. (PA)

I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

AWA COLLECTIONS XXXX XXXX XXXX, XXXX, CA XXXX AWA has reported a delinquent account to all major credit reporting agencies ; I have no knowledge of this dept. or of who AWA Collections is, I have attempted to obtain information about reported dept. from AWA to no avail. The reported collections amount is {$4100.00}. I feel this is totally unacceptable and may be the victim of identity theft. I need help with this.
Consumer complaint received 2021-04-06
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: WELLS FARGO & COMPANY (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/XXXX Re : Collection of previously negotiated bill from Portfolio Recovery Assoc. 

Dear Consumer Protection Bureau, Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill about which I originally re-negotiated to pay off with XXXX XXXX  years ago. My eventual inability to pay anything is the result of FEMA not delivering on promised financial support for another 6 months but unexpectedly stopped the support after the FEMA disaster covering the XXXX XXXX flood in XXXX XXXX to XXXX. 

I would like to plead with XXXX and Portfolio Recovery Assoc to eliminate the disaster-related bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
Consumer complaint received 2018-07-19
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)

Received response to my CFPB complaint against XXXX XXXX XXXX about account reported on credit files. XXXX investigated and determined the account is not mine and is fraudulent. 

Follow up to Complaint against Equifax CFPB # XXXX
Consumer complaint received 2021-09-21
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. (PA)

The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: R & B Corporation of Virginia (VA)

I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (VA)

I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NJ)

I applied for td cash card on XX/XX/2018. It was an offer through email because me and my husband are td bank debit card holders for a long time. The offer was that were going to get {$150.00} for the first {$500.00} spend in the first three months and were going to get XXXX XXXX and XXXX XXXX. Which we got all of it. But there was also promotion that we can paid it off any balance in 12 months. Which wasnt the case when we received the second bill with late charge of $ XXXX.We called them and they say that there was 0 % APR on balance transfer not on the balance of the account.Please help!
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NC)

XXXX XXXX just reported a {$760.00} collection account on my credit report. I have no idea what this is. According to the Fair Debt Collection Practices Act, they are required to provide me with a 30-day notice to dispute the debt, but I never received such a notice. They just reported it, without even contacting me. This is a violation of federal collection law.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MN)

Barclay I'm filing a complaint on your company for violation of the FCRA ACT I started disputing my two Barclays credit card account with the credit reporting agencies back in XX/XX/XXXX and they keep saying that you keep responding saying that the information is reporting as correct. However this information is reporting incorrect on my credit report I have got fired from my job because of credit reporting violations unable to Obtain a good Job due to company like you reporting false information. then you expect people to pay you on time it's very hard when creditors are reporting negative and false information about the consumer I have been telling the reporting agencies that the account numbers were not matching up and again they kept saying that Barclay states its reporting as correct in order for me to prove my point about 3 Weeks ago I sent to your company 2 money order about a month ago for payment on my XXXX XXXX XXXX and My XXXX XXXX mastercard I sent in the money orders with no name no address Just the account numbers that you are reporting on my credit file and the money order never did get cashed because those are not my account Numbers What's showing on my credit file is XXXX and XXXX those are not my account Numbers! again I have been disputing these with the reporting and agencies about 15 times per account its a lot of work writing letters and getting them in mail to these company. Barclaycard you have violated my rights and cost me my job also you are in are violation of the FCRA. I'm asking you to please delete these 2 accounts  from each of the credit reporting agencies immediately for the violations There is no law that states that you have to report information. But since you have violated my rights under the FCRA I DEMAND These accounts to be remove ASAP or I will take legal action. you and I have an agreement for payment each month and I will carry those payment agreements until my accounts are paid in Full But It's hard when Negative items is keeping you from getting a job to pay. I look forward for your response also XXXX  is reporting that XXXX ACCOUNT IS A CHARGE OFF I HAVENT Received any noticed from your company about a charge off This far which is another violation of the FCRA.. I have enclosed a file from your company dated XX/XX/XXXX on You clearly stated my two account numbers ending in XXXX and XXXX but my credit report is showing different account number per the FCRA accounts must report 100 % percent accurate or the account must be delete and again that's what I'm asking you to do in this case! I also attached the account numbers that reporting on File 3