davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc. (NV)

XXXX was sent to company and there has been no response or acknowledgement. 

To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover nay any medical fees. Please advise me as to the name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges. Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY!
Consumer complaint received 2020-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

I found out via an email from XXXX XXXX that a student loan had hit me account. I logged in to see it and it was taken out at XXXX XXXX  in XXXX, GA. I called XXXX at XXXX XXXX  on XX/XX/XXXX to say that someone opened up a fraudulent loan in my name. She told me to contact the Department of Education and would send me a packet to fill out and return. I talked to XXXX at the Dept of Education on XX/XX/XXXX. She said the loan was taken out on XX/XX/XXXX. She opened up a case. I called the XXXX Police Department in XXXX, MO on XX/XX/XXXX and spoke with XXXX XXXX. He opened up a case for it. I was sent a packet by Great Lakes to fill out and to send them a copy of my driver 's license, SS card, police report and other information. I did all that they asked of me to prove that it was not my loan. They denied me. I appealed it and they denied me again. They said, " Your Federal Direct Master Promissory Note ( Direct MPN ) was electronically signed on XX/XX/XXXX. Funds were used to pay for your attendance at XXXX XXXX  XXXX  XXXX XXXX. '' I don't even understand that. The loan was taken out in XXXX at XXXX XXXX. They then go on to say in the letter, " Your Direct MPN, dated XX/XX/XXXX, contains several items of information that assist in confirming your identity and by extension your relationship to the loan to include ( but not limited to ) your name, social securtiy number, date of birth and address. '' Anyone could steal that information! It happens every day. They denied my appeal. I don't know what else to do. This loan is not mine. I'm worried about it destroying my credit. I need to find out what else I can do to prove I never enrolled in this college or took out this loan.
Consumer complaint received 2020-06-05
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX  & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below.

This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a Secured Party Creditor and I submitted form 1099a to setoff this debt with Capital One bank. The IRS accepted the filing. So the account status should read paid in full, due to me submitting the 1099a. Company updated the status properly stating the balance was paid and no additional fees would be charged. Then a week later the status changed to charge off with a message stating I am still required to pay the debt. But According to 31 USC 3123, Public debt is the obligation of Secretary of Treasury to pay interest due or accrued on the public debt.

Capital One is trying to make me repay debt that is already paid by the Secretary of Treasury through the IRS form 1099a.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

I received a letter addressed to my wife, XXXX XXXX XXXX on XX/XX/2022 from Chase Bank advising me that the account on which I am the primary account holder would be closed on XX/XX/2022 with no reason given. My wife is the joint accountholder on my acccount. 

I called XXXX customer service and spent about 2 hours speaking to 3 people, including a manager named " XXXX. '' I was treated fairly rudely by the last, who advised me that my problems were between me and the bank and he could not disclose any information about why my account was being closed. I asked him that if he is a representative of the bank he could not provide me with information, especially after I had proven my identity. XXXX was of no further help. 

If there is some kind of problem with fraud or some other issue and that is why XXXX is terminating my account, then I would like to know what these issues are. Unfortunately, CHase bank is completely uncooperative in this regard. I have gone so far as to do a XXXX audit on both myself and my wife and our records are pristine. Therefore, I'm not sure what CHase 's problem is.
Consumer complaint received 2020-06-05
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. (TX)

Equifax should not be reporting that I am ( 120 ) days late with a current balance on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of a lates is seriously harming my credit score and these line items either need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (FL)

I paid a bill for {$100.00} on XX/XX/2019 by credit card to XXXX XXXX XXXX for services rendered by XXXX XXXX XXXX. Account number XXXX. I owed no more on this service rendered. 

Six months later i have begun to receive letters form a collection agency, Professional Credit Service, for the {$100.00}. I already paid that and called and let them know. Instead of listening to what I had to say, they only wanted to collect more personal information about me for their records, asking for my personal information such as DOB, telephone number, address, etc. I have paid this debt six months ago. They need to remove it from their records and mark it as paid.
Consumer complaint received 2021-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AE)

I participate in the Public Service Loan Forgiveness Program. I am attempting to recertify my employment status as a government employee. I have been submitting PSLF certification paperwork to FedLoan Servicing. They're rejecting my certification because of the way my HR representative completes the paperwork. All required information has been provided.
Consumer complaint received 2021-05-18
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (GA)

I am writing to dispute a charge off/collection account on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681 where you are bound to report accurate information. The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been cancelled and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off/collection/derogatory on my credit report is inaccurate and should be removed immediately. I request that XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$540.00} XXXX XXXX XXXX XXXX received a Fraud alert text message form Citi Fraud alert on XX/XX/2019 @ XXXX XXXX   regarding attempt of purchased for {$200.00} at XXXX. that how i know my credit card was compromised, I called citi fraud @ XXXX to report fraud. XX/XX/2019 I got a letter form citi security Operation that they try to contacted me by phone and email was unsuccessful, ( I have not received any phone call or email at all ). I have 10 days to call them back with additional information needed. 
I called Citi Security Operations XXXX on XX/XX/2019 talked to fraud investigator that handling my account, they need my time sheet and phone record to proof that i was not out of the country, I did email informations requested to XXXX. I called again on XX/XX/2019 to confirmed if they have received my email, I talked to the fraud investigator that handling my case her name is XXXX, " base on information I provide, they did not consider these transaction were fraud because I have the credit card in my procession the card was build in with security chip it can not be counterfeit " on the same day XXXX have requested more informations such as passport, I did email her all pages of my passport on XX/XX/2019 Now I am concerned my passport number is not safe, XXXX said she will talk to her superior but at this time she not consider this is FRAUD., I called back again and Letti was not there and they don't let me talk to a different investigator, XXXX called me back and said the decision is stand and the case is closed, I have to be liable for all the charges.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-09-08
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. (NC)

When I or someone else checks my Equifax credit report, my XXXX XXXX mortgage payment status has the wrong information from XX/XX/XXXX through XX/XX/XXXX. The amounts that they say XXXX XXXX reported to them has the actual Past Due is doubled. This is not the case with the other credit agencies nor are what was actually being reported at the time. I have tried to file an Equifax Dispute but the information they have there is correct from what was reported therefore, I can not fill the Equifax Dispute online. When I call the Equifax Dispute Center to help me, they do not know what to do leaving me with no recourse. What they are miss reporting is lowering my Equifax credit score and holding up using my good credit. I would like the information to be what XXXX XXXX has reported to them found on my Equifax credit report.
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

The aforementioned credit collection agency representing whomever AFNI, INC. is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2021-09-08
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

I have received messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time stating that my repayment schedule has changed. Changing my schedule multiple times per week and XXXX times in 13 days is beyond ridiculous. I feel that no one knows what is going on and have a hard time trusting any information that I receive. I have no clue how much to pay or not as I keep getting past due notices without receiving prior notices that any amount is due, and have also been told that my loans are in forbearance without any amount due.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Dear Sir or Madam, My ex spouse, XXXX XXXX used my social security number to applied several credit cards and may get financial benefit by using my personal information to create false employ information for his friends who is applying permanent resident. I had a joint account with XXXX XXXX. It was according to the suggestion of Attorney XXXX whom XXXX hired to help apply permanent resident for me. XXXX XXXX has repeatedly stated that I dont need to bother about our joint account. That is just what he used to pay utility bills and set up his own credit card for automatic repayment. XXXX XXXX own main financial activities still use his personality account. The existence of joint account was his tool for damaging my credit. He even used joint account to cash pay stub check under my name. Actually I didnt work for anybody and he requested me to be a XXXX since married. Had been a XXXX  for several years and unfamiliar with the country, I was isolated from society and never checked my credit report by myself. XXXX XXXX closed the joint account personally after I noticed identity theft issue. But he continued to hurt my credit. 
I am a victim. Besides credit hurt, XXXX XXXX kited money from my family. I am a single mommy who is undergoing hard life right now. XXXX XXXX doesnt pay child support. The reason I mentioned this is to figure out that I am a person with responsibilities. There are many people and things I life that can testify my character. I did not apply for and used these credit cards, nor did I know. I believe in justice and law. Although hard, I tried my best to resolve this probelm. 
I called the police. The Police Report No. is XXXX andDetective Officer XXXX XXXX is responsible for my case right now. 
I had summited a identity theft report about this to Federal Trade Commission, and the reference number is XXXX. 
I had summited dispute request to the three credit report companies. One of them has removed credit history about fraudulent cards and the other two is under investigation. 
I sincerely prayer results of this case are consistent with the facts. 
Thank you!
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I.C.Systems Inc- Date reported XX/XX/2021 in the amount of {XXXX} To whom this may concern : You have added a fraudulent collection account on my credit report and I need answers immediately and send debt validation or delete it immediately. 

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

I.C.Systems Inc- Date reported XX/XX/2021 in the amount of $ XXXX DELETE IMMEDIATELY Please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NJ)

Several companies have taken advantage of the recent pandemic and have put false negative items on my report. an energy company filed a collection in XX/XX/XXXX and a few other accounts. these are not even accounts i opened myself.
Consumer complaint received 2021-10-30
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: U.S. BANCORP (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. US BANK CONSOLIDATED Inquired on XX/XX/2020 2020