davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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: TD BANK US HOLDING COMPANY (ME)

During a XXXX XXXX XXXX  a fraud account was discovered reported by Target against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX XXXX XXXX XXXX, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX XXXX XXXX XXXX  over their false reporting.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (MS)

My loans were transferred and/or sold, without my consent, to another collector. The amount I was told is due is outstanding compared to what it was when I was with the original loaner. Please contact me as soon as possible.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX. In the month of XX/XX/2023 I noticed information on my credit report that does not belong to me. The accounts and and Inquiries included in this report if Fraud. They are not mine.
Consumer complaint received 2024-01-18
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. (MO)

There are 3 accounts on my credit report that are not mine, accounts from the year XXXX and XXXX and in those years I did not have social security nor did I open any account, they are mixing information from another person with mine, those accounts do not belong to me, they are not mine. social security are violating my rights
Consumer complaint received 2022-08-15
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)

I disputed an account with XXXX XXXX XXXX XXXX on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. XXXX and XXXX stated to me the account was removed and then reinserted back on by the DATA Furnisher. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.
Consumer complaint received 2020-10-15
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)

i sent out disputes to the credit bureaus about account that are being reported on my creditthat were not authorized by me. I lost my wallet a couple of years ago which contained myid and social i believe i have been a victim of identity theft. I have filed an ftc report todocument this and would like you to help me resolve this matter.
Consumer complaint received 2020-05-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX, I disputed my account because the collection agency re-aged my account. The result was " Information on this item has been updated '' and their supposed update was delete all my payment history since the account was opened in XX/XX/XXXXuntil the account closed in XX/XX/XXXX and then added new payments history from XX/XX/XXXXuntil XX/XX/XXXXwhen the account was already closed. and re-aged the account two years more. After the result, I requested a re-investigation In XX/XX/XXXX and the result again was " Information on this item has been updated ''. Comparing results of before and after of the XX/XX/XXXXdispute there is no not change at all.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (VA)

IC System is showing as " Open '' Account dating XX/XX/2017. I never opened any account either with IC System or " XXXX XXXX XXXX '' ( who is listed as the original creditor ) in that time.
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OH)

On XX/XX/2020 I tried to pay off my auto loan both online and over the phone. Chrysler Capital advised me in both channels that the only way to pay off my loan was to mail them a check. I am not comfortable sending such a large check via mail. I believe they are requiring checks via mail to discourage consumers from paying off their loans early. Surely in XX/XX/2020 sending large checks via the USPS is not the most secure means of transmitting payments, nor is it in the best interests of consumers.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

I am unable to connect my PNC bank account to my XXXX  account. I would like to use XXXX  but the only way I can do so is if PNC bank will allow the connection of my account to XXXX.
Consumer complaint received 2018-03-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XX/XX/XXXX I wrote both the XXXX Credit Bureau and Bank of America stating that I have never had a credit Card Card from Bank of America, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : XXXX says they checked with Bank of America and their records are correct. 
My ReplyXX/XX/XXXX letter to both requesting copies of related charges. 
BOA reply XX/XX/XXXX : or records indicate we are reporting correctly my response to bothXX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX XXXX sent exact same information that sent XX/XX/XXXX my responseXX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from XXXX XX/XX/XXXX BOA form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time BOA wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. XXXX same as before we have contacted BOA and their records are correct. BOA form letter says they checked their records and are reporting correctly.

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX and Experian is reporting information that is inaccurate. I have an equitable interest in this account. Because this account generates interest monthly from the deposit of my security the balance can not be late as XXXX role would be to apply the interest to settle the balance and refund any overpayments to me immediately as the investor. XXXX has failed to do that which means they have failed to accurately access this account which I am going to notify the IRS of my findings. Experian is being furnished this information and lonely reporting it inaccurately even with my attempts to get the information updated. Since Experian is securitizing this consumer report they have to accurately account for the money received and since they have a financial history the investigation into their wrongdoing is biased as they stand to gain a profit.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (TX)

On XX/XX/2021 I received a letter from Credit Corp Solutions demanding the payment of {$1700.00} for an unknown account # XXXX that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. 

I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Amount {$120.00} Date opened was XXXX XXXX XXXX Account paid in full Response from Experian Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. 

Over XXXX and Experian will not remove from my report
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is furnishing inaccurate information to Experian. I have an equitable interest in my application which is letter of credit that XXXX XXXX accepted. The interest every month should be used to settle the account therefore the account can not be late. Experian is benefiting from XXXX XXXX selling this information to them to report inaccurate to damage my reputation.
Consumer complaint received 2021-11-04
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. (CA)

Equifax listed an account as delinquent when in fact the creditor simply has not updated payment status I have provided Equifax with proof that payments have been made on time and that all of my accounts are paid early and never late I contacted Equifax by phone and they refuse to correct their mistake. I discovered this situation while trying to get a credit increase so I could pay for funeral services my mother and was denied because Equifax reported I had " serious delinquencies '' when infact I have no delinquency!
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP (NM)

15 years ago someone opened up some type of an account in my name ( my maiden name ), I disputed it with credit bureau and it was taken off of my credit. This morning I was notified that my paycheck is being garnished from this debt collector named Forster and Garbus, my employer showed me the paper, i was never notified of anything, the paper is in my maiden name and it is for the same matter that was disputed many years ago. They are saying they are going to take {$330.00} from every paycheck for debt around XXXX  I am currently in a debt consolidation program for any debt I owe so I called them and they told me what this creditor is doing is illegal and that i must file a complaint with FTC. I also called the number of the creditor and some woman started asking me personal information and I would not give it to her so she got frustrated.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report inaccurate information onto my consumer report. None of these cell phone numbers are accurate. They do not belong to me. XXXX is not my spouse nor do I know who this individual is. All of this information should be deleted immediately.
Consumer complaint received 2017-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

I have actually tried working with this mortgage company for almost XXXX years now ( as have many others ), I have filed for loan modification which was a waste of time and effort and resulted in several more months of additional reasons of non-acceptance of paperwork, which is very hard for me to do, and thousands of dollars more owed as they would accept no payments or funds from us but kept adding not only paymrnts, but fees, insurances and other amounts as they like. 

But on to the next chapter and questions as I am done fighting that which is like hitting your head against a brick wall, they have is a reason for everyhing, regardless of if it makes any sense or not and I am not well enough to keep this up. 

What I need to know and can not get answered is this question, again of which the answer may involve many thousands of dollars. I can not get an answer. I do not think ghe wuestion is difficult but it is extremly important to have the correct answer before we proceed. Specific question follows :
Consumer complaint received 2017-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

Diversified consultants has added several entire derogatory cases on my file and labled them as having to do with a bankruptcy. I nevber went through on a bk. When I called they said " if you owe it, pay it '' it bankruptcy file when that is not the case and they are causing my credit score to  drop by more than  XXXX  points. These people should be put in jail and I am writin g the AG of t heir state to make sure it happens.
Consumer complaint received 2020-07-10
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} XXXX  XXXX
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc (LA)

On XX/XX/2018 I called the debt collector and inquired about information on all 3 credit reports. I asked about the amount on my report and informed the lady XXXX XXXX that i had insurance at the time of service. The original service place was XXXX XXXX XXXX hospital informed me at the time of service that everything with my insurance had been verified and I was only responsible for my co-pay which was only {$25.00}. I payed that amount each time I was seen. I called XXXX  companies and asked about the price and could she send me proof and also if I was responsible could they offer a settlement amount and pay for delete. In the conversation the lady XXXX informed me that I owed a total of {$760.00} that was incorrect!! From what I seen on my report it showed {$560.00}. This is false information.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DC)

I am a customer of Wells Fargo 's. Several fraudulent charges were made on my checking account at locations across the country. They erased the charges ' existence, only gave me a fraction of my money back and will not even explain what is going on.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report address and names that do NOT belong to me. Experian is a data furnisher which means they are paid to report information and are securitizing these reports to raise money for capital. Since this is an account I have equitable interest in this account and what is being reported. Experian is reporting this inaccurate information for profit even after providing evidence of my identity to prove it is inaccurate and should be immediately removed! My only name is XXXX XXXX remove any other name you do not have my consent to report anything other than XXXX XXXX. My address is XXXX XXXX XXXXt XXXX TX XXXX delete any other address it is not mine.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to XXXX effective XXXX. I received a letter from XXXX dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXX Acct Letter, XXXX Welcome letter attached ) Based on views from all three credit reports, XXXX nor XXXX updated my credit report with this information. I reviewed and have filed XXXX disputes regarding incorrect information sent to XXXX, Experian and XXXX from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from XXXX dated XXXX informing me that I had received from the XXXX XXXX XXXX XXXX Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment IDR forgiveness letter indicating XXXX balance ) Each time I submitted a dispute with each credit bureau ( XXXX, XXXX, and Experian ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that XXXX was my current loan service provider. 

XXXX has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, XXXX is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted Experian, XXXX, and XXXX from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, Experian is still reporting that the Dept of Education loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and Fair Credit Consumer Financial Protection Bureau to assist me with my complaint.

In closing, I do not have an active educational loan and my loan should reflect a XXXX balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.